vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Dear XXXX, XXXX XXXX, and Experian! ( Including all other Credit Bureaus known and unknown ) Please provide the Consumers of America with the Original contract with wet ink signatures that granted you our Permission to hoard our personal information. Failure to provide this contractual agreement to each and every Consumer constitutes a privacy right violation according to the Privacy Act of 1974. The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! We the Consumers have grown tired of the false and misleading practices you have portrayed!! Protraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). All Consumers demand that all Personal information retained in your companies systems be removed immediately and damages of XXXX XXXX Dollars ( USN ) backed by gold be credited daily to each Social Security Number Available in your system. Consumer 's name and personal information ( which are copyrighted as intellectual property ) has been leaked by your company has continued too injured Consumers daily as your Systems are primitive in Nature!!

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 2017-10-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Exeter finance has continuously changed the status of a mark they have placed against my credit report from In collections to 180+ days late and back again to the status of In collections in order to consistently damage my credit report. This sequence has been going on for several months and Exeter finance is quick to respond to my credit dispute as if the status is valid with each monthly change. If the debt is in collections please validate the date and mark it with the correlating status. If this pattern continues I will be forced to move towards legal action as this is an unethical tactic from your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed an error on my credit report with Experian and it has not been resolved. This has been disputed more than once and nothing has changed in my credit report. It continues to show the date error. The error on my report has " re aged '' an account that has a date of first default from XXXX XXXX, to show XXXX XXXX. There has been no activity on this account since XXXX XXXX. I filed bankruptcy in XXXX and this item has never shown up on any credit report, except XXXX yrs later, after the date of default XXXX XXXX. The collection agency for this debt does sent me letters periodically, which has the correct date of default and I have sent a copy of the letters to Experian, but they have refused to update this account. The account is listed on my credit report as XXXX XXXX and XXXX, and shows an outstanding balance of {$61000.00}, as of XXXX XXXX, XXXX, when I last pulled the credit reports. 

This is a clear violation of the fair credit reporting act and this account needs to be updated immediately, to show the correct date of default, XXXX XXXX. Essentially, it should not be showing on my credit report at all now.

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 2017-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: IN

Complaint narrative:
Discover Bank is in violation of their Arbitration Clause and Contract Agreement. XX/XX/XXXX, Discover Bank filed suit against me in Small Claims Court for an alleged debt of {$3900.00}. We agreed to arbitration XX/XX/XXXX through XXXX. XXXX refused to arbitrate and pay fees even though they had agreed to. XXXX, XXXX, XXXX, XXXX and XXXX, XXXX sent XXXX a letter requesting they pay the arbitration fees. XX/XX/XXXX, Small Claim Court Judge compelled XXXX to arbitrate. Discover refused to pay fees and arbitrate after being compelled. XX/XX/XXXX, XXXX   CLOSED arbitration case because XXXX refused to pay. XXXX breached Arbitration Clause and Contract Agreement. I received a letter dated XX/XX/XXXX from Counsel for XXXX   stating XXXX did not want to arbitrate because it was too expensive. I sent a letter to the Counsel for XXXX and made an offer of " XXXX XXXX XXXX '' but they never responded. 

XXXX defaulted for refusing to pay XXXX arbitration fees. 
XXXX XXXX failure to pay XXXX was a Material Breach of Contract. 

XX/XX/XXXX, XXXX filed Arbitration against me for the same alleged debt of {$3900.00} over 2 years after I filed Arbitration and 1 1/2 years after XXXX  closed case due to XXXX XXXX failure to pay. The alleged debt is time-barred. XXXX has filed arbitration for a debt that is time-barred, misrepresented facts, defaulted in Arbitration and breached their Contract Agreement. XXXX has violated FDCPA and continues to violate. FDCPA. 

XXXX states they will NOT arbitrate a small claim. This alleged debt is a small claim which is another breach of their contract agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 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: TX

Complaint narrative:
This account below is paid in full but showing a balance. 

XXXX XXXX Last reported : XXXX XXXX, XXXX - {$39000.00} Good EDUCATIONAL XXXX Last reported : XXXX XXXX, XXXX - {$52000.00} Good

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 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: TX

Complaint narrative:
This account below is paid in full but showing a balance. 

XXXX XXXX Last reported : XXXX XXXX, XXXX - {$39000.00} Good EDUCATIONAL XXXX Last reported : XXXX XXXX, XXXX - {$52000.00} Good

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 2017-10-15 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: TX

Complaint narrative:
This account below is paid in full but showing a balance. 

XXXX XXXX Last reported : XXXX XXXX, XXXX - {$39000.00} Good EDUCATIONAL XXXX Last reported : XXXX XXXX, XXXX - {$52000.00} Good

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 2017-10-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XXXX XXXX XXXX, I became aware that several credit inquiries had been made on my credit report. These inquiries were the result of identity theft, in which someone used my personal identifying information to apply for and or obtain credit cards and make fraudulent purchases. One of the credit cards applied for was an XXXX store card issued by Synchrony Bank. I contacted Synchrony Bank and let them know of the fraud. I then followed up with a request for the information used in opening the account, including the IP address. I included the name of the investigator working on the case, a notarized Affidavit of Fraud, a copy of the police report, and a request for information..This was mailed on XXXX/XXXX/XXXX. I did not receive the information that I am entitled to under the Fair Credit Reporting Act. As I have stated, I am entitled to this information by law. I would like to find out who has done this and the information I requested may help me to do so.

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 2017-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed an error on my credit report with Equifax and it has not been resolved. This has been disputed more than once and nothing has changed in my credit report. It continues to show the date error. The error on my report has " re aged '' an account that has a date of first default from XXXX XXXX, to show XXXX XXXX. There has been no activity on this account since XXXX XXXX. I filed bankruptcy in XXXX and this item has never shown up on any credit report, except XXXX yrs later, after the date of default XXXX XXXX. The collection agency for this debt does sent me letters periodically, which has the correct date of default and I have sent a copy of the letters to Equifax, but they have refused to update this account. The account is listed on my credit report as XXXX XXXX and XXXX, and shows an outstanding balance of {$61000.00}, as of XXXX XXXX, XXXX, when I last pulled the credit reports. 

This is a clear violation of the fair credit reporting act and this account needs to be updated immediately, to show the correct date of default, XXXX XXXX. Essentially, it should not be showing on my credit report at all now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
The collection agency is attempting to collect on a debt that is the result of goods not received. Please see attached letter explaining my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I have no knowledge of this company! I do not owe them anything! I 've never signed a contract with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XXXX XXXX, XXXX, I became aware that several credit inquiries had been made on my credit report. These inquiries were the result of identity theft, in which someone used my personal identifying information to apply for and or obtain credit cards and make fraudulent purchases. One of the credit cards applied for was an XXXX credit card issued by Synchrony Bank. I contacted Synchrony Bank and let them know of the fraud. I then followed up with a request for the information used in opening the account, including the IP address. I included the name of the investigator working on the case, a notarized Affidavit of Fraud and a copy of the police report.This was mailed on XXXX/XXXX/XXXX. I did not receive the information that I am entitled to under the Fair Credit Reporting Act. As I have stated, I am entitled to this information by law. I would like to find out who has done this and the information I requested may help me to do so.

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 2017-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX I received a call from XXXX XXXX at XXXX XXXX XXXX, phone # XXXX, XXXX XXXX XXXX, XXXX XXXX, IL, XXXX. She claims I owe {$13000.00} to XXXX XXXXk. I told her I do not recognize this debt and she has the wrong person. 

On XXXX/XXXX/XXXX I received a letter in the mail from ARA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I submitted a complaint via phone with Equifax XX/XX/XXXX regarding 3 unverified accounts being reported " XXXX XXXX XXXX '', " XXXX XXXX '', and " XXXX XXXX XXXX ''. I checked the dispute status today and it still says pending its been 39days it was said on the dispute status page that it was estimated to be completed by the XX/XX/XXXX. I have not received anything verifying theses accounts, nor any updates about this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
National Credit Systems has failed to provide itemized documentation for the account that is listed on my credit report. The last activity on this account was XX/XX/XXXX and for the state of TN the statue of limitations is 6 years. I want this account removed immediately. I have repeatedly disputed this account over the years and it always comes back verified without documentation being provided to me. I was denied a job due to this one and only collection on my whole report. I 'm not able to qualify for a mortgage loan as well until this is rectified. I need this corrected as soon as possible. I recently disputed this via XXXX and it came back on the XX/XX/XXXX day as verified again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
Statement date XX/XX/XXXX received notice from Ditech of escrow shortage in the mail.
Tried to call several times but could not get through due to heavy call volume due to the hurricanes.
Statement date XX/XX/XXXX received notice of service transfer from Ditech to XXXX XXXX XXXX XXXX. It clearly states Ditech will stop accepting payments received from you after XX/XX/XXXX. 
Called upon receipt of the service transfer notice and spoke to XXXX customer service rep # XXXX about the shortage and service transfer. 
XXXX told me I needed to make no payment until XX/XX/XXXX because of the service transfer and that she was applying undeclared extra funds paid to my account to the escrow shortage, a late fee, and principal. I would send extra money every month thinking it would be applied to any shortages and principal. I requested a statement describing what she had applied to our account. She said she could not provide one at that time.
I just received a debt collector notice from XXXX dated XX/XX/XXXX. We make our payments every month and pay a little extra. I pay bi-monthly due to our finances. We did not pay XX/XX/XXXX because XXXX, XXXX informed me NOT TO PAY. We have no idea what is going on. 
I have not received a bill from the above named new company as of XX/XX/XXXX. 
Thank you, XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was told that I would not be moved to foreclosure by my assigned customer service rep, numerous times if I fell no more than 3 payments behind. I have not. I was consistently making payments and had been for nearly a year.
1. I am requesting copies of all recorded calls for the last 12 months.
2. Verification of all transactions since XX/XX/XXXX.
3. Payment records.
Bank of America refused to take a phone payment from me on Wednesday XX/XX/XXXX. They then told me that I 've been moved to foreclosure status. I took time off work and drove to the branch and made a payment on my loan in person. They accepted my check, cashed it and then when I spoke to the customer service again the following week, they told me that I was still in foreclosure status and that I would be refunded the money that I had paid them and that they would not accept any more payments on my account. 
I insist to be reinstated and be allowed to make web/ phn payments. 
I also am requesting forbearance and loan modification under HARP and Hamp and any other loss mitigation

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 2017-10-15 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: NY

Complaint narrative:
Transunion is not reporting my 2 XXXX XXXX accounts nor my XXXX charge account nor my XXXX XXXX credit card account. All 4 of these accounts are satisfactory accounts that should be reporting on my credit report why they removed them I do n't no but I want them to start being reported again. I contacted all creditors and requested they report my credit to transunion. I am also very annoyed that another account XXXX XXXX XXXX XXXX is reporting as a chapter XXXX bankruptcy I never filed for chapter XXXX bankruptcy this information is completely wrong and hurts my credit score. I want that remark removed because I never filed for bankruptcy

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 2017-10-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX is not reporting my 2 XXXX XXXX accounts nor my XXXX charge account nor my XXXX XXXX credit card account. All 4 of these accounts are satisfactory accounts that should be reporting on my credit report why they removed them I do n't no but I want them to start being reported again. I contacted all creditors and requested they report my credit to XXXX. I am also very annoyed that another account XXXX XXXX XXXX XXXX is reporting as a chapter XXXX bankruptcy I never filed for chapter XXXX bankruptcy this information is completely wrong and hurts my credit score. I want that remark removed because I never filed for bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 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: TX

Complaint narrative:
Equifax did a sloppy job investigating. They did not even investigate my claim. This inquiry has been deleted off my credit report from the other two credit bureaus due to inaccurate information. This third-party agency has failed to provide information. All they will provide is one letter is not even in telling that I was late or providing any any information about my account they will not provide me any verification or validation of account so at this point then everything should have been deleted from my credit report Equifax has failed to remove this information for my credit report I 'm asking this to be investigated thoroughly. I have requested a previous investigation with y'all with this company and also with original company XXXX XXXX XXXX XXXX will not respond back to my request or will not provide me any information regarding this account also. So they 're not able to validate or verify the account so it must be taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
I have once again unsuccessfully been able to have my payments show posted on all three credit bureaus with USAA/Nationstar after over 300 hours on the phone, with phone records I have kept and now two complaints to have payments posted as reflect with bank statement showing date on all checks cashed by USAA/XXXX as of XXXX XXXX for my XXXX loan. I have also asked for my FICA score to be reversed due to USAA/XXXX not submitting payments made since XXXX XXXX after cashing checks with my XXXX loan. Which has also negatively affected my credit score. I am now asking for this important matter to be reopened due to printing out all three credit bureau reports as of yesterday showing payments still not being shown as made and credit score reversed. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 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: NY

Complaint narrative:
I had just submitted a complaint about XXXX credit reporting agency I am uploading the documentation that proves they are reporting a chapter XXXX bankruptcy on my credit report for XXXX XXXX XXXX XXXX when I never ever filed for chapter XXXX I want this removed off my credit report

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