vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-13 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 am uploading documentation that experian is still reporting my XXXX XXXX account as having a late payment the month of XX/XX/2015 which is reporting as a negative account on my experian credit report. I am also uploading proof from my XXXX credit report that it has been confirmed that this account was never paid late. I have disputed this several times with experian but they will not fix this error.

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 2018-02-13 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: NY

Complaint narrative:
I am uploading documentation that XXXX  is still reporting my XXXX XXXX account as having a late payment the month of XX/XX/2015 which is reporting as a negative account on my XXXX credit report. I am also uploading proof from my XXXX  credit report that it has been confirmed that this account was never paid late. I have disputed this several times with XXXX   but they will not fix this error.

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 2018-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I was offered a short sale from the previous servicer XXXX XXXX  on XX/XX/XXXX in the amount of {$230000.00} The short sale was approved and ready to close by XX/XX/XXXX. 

The servicing of my loan changed to XXXX XXXX XXXX XXXX on XX/XX/XXXX and the new servicer failed to honor the previous servicers approval of a short sale. 

I resubmitted said package to the new servicer Shellpoint Mortgage Servicing on or around XX/XX/XXXX. 

However it appears that the servicer and their counsel were engaging in dual tracking in that while I was submitting documents to be approved for a short sale again by the new servicer Shellpoint, their counsel made an application for judgment and sale on or around XX/XX/XXXX. 

The servicer received judgment and sale on XX/XX/XXXX. I had been sent a notice of sale that my property is scheduled to go on sale on XX/XX/XXXX however at the time the sale date was scheduled I had not received a notice as to whether my new request for a short sale had been accepted or denied or an explanation as to why the previous short sale was not honored before the deadline to close expired. 

I petition the court to stop the sale which was granted and sent the servicer a qualified written request asking why the short sale from the previous servicer was revoked before the timeframe to close expired and also for the NPV analysis used to deny my shortsale in a letter dated XX/XX/XXXX which was sent to my mail on XX/XX/XXXX and received by XX/XX/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 2018-02-13 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: CA

Complaint narrative:
This is based on Equifax : My name is XXXX XXXX XXXX. 

But someone used it as XXXX XXXX & XXXX XXXX Most of the credit cards and a major car loan, is not mine. 

I only have 1 car loan from XXXX XXXX XXXX and 1 credit card from XXXX XXXX, ALL else are incorrect information. 

I only have 2 major hard inquries which is from the XXXX XXXX and XXXX XXXX. 

The details from my XXXX is accurate while Equifax is way inaccurate. They probably used my sister 's social security number or had a typo that combined both of us. Again, I only have 1 car loan from XXXX and 1 Credit Card from XXXX XXXX, ALL else is from my sister ; XXXX XXXX. I asked her about it and she had no idea on why did this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Greetings, I have a credit card for XXXX ( XXXX XXXX ).  approximately back in XXXX 07, I was charged for the authorized amount of {$950.00}. After I received the statement I called the credit card to inform about the unauthorized transaction. They proceed with the cancellation of the credit card and posted a temporary credit until doing the investigation. Few days later, they assessed the charged back on my account without giving me the proper results from the investigation where it shows that I was the person or consequently I signed an authorization for this parties to use my credit card. Therefore, I called and initiated another request. They apologize because the first request it was opened under a wrong category. They again closed my account and sent another credit card. To my surprise, the charge was posted back on my credit card. At this point and totally frustrated I called back to have them proof that as a cardmember I have made or authorized the purchase. They have neglected to provide any f the following : 1 ) The creditor don't have the receipt of the transaction signed by me where I take responsibilities for the amount. 

2 ) The creditor don't have any documents where I shown that i have signed any contracts with the legal office and where there is an amount due under my name for {$950.00} 3 ) The creditor is lacking of any documentation where I have authorized a third party to use my credit card with my signature stamped and date. 

In other words, the credit card company represented by Walmart -XXXX XXXX neglected from providing any documentation where I have made or authorized the use of my credit card to anyone for the amount of {$950.00}. 

This company has broken there values and standards where they claimed to protect the cardmembers from fraudulent or authorize charges. I am a clear example that they have no taken their promises seriously and they have ignored my multiple phone calls where I have begged to have a resolution and have them proceed my interests as they should have.

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 2018-02-13 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: WA

Complaint narrative:
REFER TO - ( cfpb complaint XXXX ) PROVIDE YOUR METHOD OF VERIFICATION VIA FCRA 611 ( a ) ( 6 ) and ( 7 )  within 15 days of said complaint. YOU HAVE NOT!, AND BECAUSE OF THIS YOU LEAVE ME NO OTHER OPTION THAN TO SUE FOR FCRA VIOLATIONS AND NEGLIGENT NON COMPLIANCE. 

ACOUNT- XXXX XXXX/XX/XX/XXXX XXXX, XXXX XXXX/XX/XX/XXXX XXXX, XXXX XXXX XXXX NONE OF THESE COMPANIES HAVE A CONTACT OTHER THAN PHYSICAL MAIL, YOU NEVER PROVIDED ME THE PROOF OF HOW EQUIFAX VERIFIED ANY INFORMATION WITH CREDITORS. 

ATTACHED IS A LAWSUIT I WILL BE FILLING SOON IF YOU DO NOT ADDRESS THIS ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA
State: OH

Complaint narrative:
On XX/XX/XXXX I purchased a letter writing service from XXXX. I received little communication from the company. On XX/XX/XXXX I requested a refund. On XX/XX/XXXX I received a response from XXXX the owner stating " sure, no problem ''. I have consistently tried to contact the company who has now taken down their main website stating that they are no longer receiving new customers. Over the months until XX/XX/XXXX I have requested my funds be returned to my credit card. At which point I finally told the company that I was going to contact my credit card company and dispute the charges. Now my credit card company is penalizing me for trying to work this out with the company by saying that the purchase was too long ago and I can not dispute it. This charge is for {$490.00}. I do not have that kind of money to just throw around! The company still hasn't responded and there is no one looking out for me here. I have saved most of the email correspondence between myself and the company which my credit card company never even asked to see.

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 2018-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Was approved for 2 credit cards with PNC Bank. A personal for XXXX and a business card for XXXX. Seemed fine. I had an emergency back where Im from so i had to move shortly after from XXXX  back to XXXX. Im a new XXXX XXXX, and am eager to do things right, but had no coaching on how to manage finances so I was excited to be a new client with PNC. Little did i know that this conservative Bank would profile me, and close both of my cards indefinitely and told Bank managers that i work with on my accounts that there was a lot of fraud on my cards. I do admit that i had to use my personal card to do business transactions at times, and my business card to do personal transactions at times. Mainly because their fraud department would decline my transactions per one or the other card, leaving me with not much choice other than using another card. I was treated as if I was doing something illegal, when in fact, I was just trying to start my year, and my new business off on the right foot. This was unfair, and I am being punished for not following rules that I didnt know existed. They said i should not have bought pizza ( for an event that my business was holding ) or gloves for my kids ( when my personal card wouldnt work ) with the card i used at the time. Now my cards are both closed while Im in the middle of a project that I got the cards for in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: MD

Complaint narrative:
I submitted a dispute requested investigation and the removal of erroneous conflicting reporting of an auto loan by XXXX XXXX XXXX XXXX in Virginia. XXXX XXXX has been reported over the last 3+ a balance owed in the amount of {$11000.00} monthly terms for 84 months with the intent to cause damage a minimize my ability to purchase a vehicle with fair terms. 

XXXX XXXX placed fraudulent charges on a share savings account investigated ; and failed to resolve over 4 years ago.

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 2018-02-13 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: MD

Complaint narrative:
I submitted a dispute requested investigation and the removal of erroneous conflicting reporting of an auto loan by XXXX XXXX XXXX XXXX in Virginia. XXXX XXXX has been reported over the last 3+ a balance owed in the amount of {$11000.00} monthly terms for 84 months with the intent to cause damage a minimize my ability to purchase a vehicle with fair terms. 

XXXX XXXX placed fraudulent charges on a share savings account investigated ; and failed to resolve over 4 years ago.

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 2018-02-13 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: NE

Complaint narrative:
I sent a validation letter return receipt to XXXX XXXX XXXX and was signed for on XX/XX/XXXX. Since the debt was unable to be validated and XXXX XXXX not licensed to collect debts in Nebraska the collection was removed from XXXX and XXXX but not Equifax. Equifax needs to follow suit and remove from my credit file as it is adversely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Last month, in XX/XX/XXXX, a Collection Account by XXXX XXXX XXXX was placed on my Equifax Credit Report. The Date of First Delinquency shows as XX/XX/XXXX, which is 6 years ago ; Why wait 6 years after the Date of First Delinquency to place this account on my Credit Report??!! The Original Creditor for this Collection Account is XXXX XXXX XXXX XXXX XXXX . I have no knowledge of doing business with this company AFTER my Chapter XXXX Bankruptcy filing in XX/XX/XXXX, which was 8 years ago. The Date of First Delinquency showing with this Collection Account must have been RE-AGED to the year XX/XX/XXXX, in order to place it on my Equifax Credit Report ; RE-AGING the Date of First Delinquency is a serious FCRA offense. The CORRECT Date of First Delinquency for the Original Creditor ( XXXX XXXX XXXX XXXX ) has to be over 7 years, therefore it is TOO OLD to be on my Credit Report ... Reference FCRA Section 623 ( a ) ( XXXX ) ( A ). This erroneous Collection Account is currently holding up processing of my Home Refinancing application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: CA

Complaint narrative:
My credit report continue to show incorrect and false information for me. My credit was used previously in the past fraudulently and I want to prevent this from ever happening again. I have been trying to have my name and address corrected on my Experian and XXXX credit report but the incorrect information still remains.

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 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
There are lots of stuff on report that I've never seen before and every amount on accounts is totally highger and are hiting my report 6 diffenrnt times with one account I don't understad why my account info was givin to another company with no knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I was checking my Credit in XXXX XXXX got 2 collections XXXX XXXX Opened XX/XX/2014. Which does not belong to me it's in the amount of {$500.00} this is on my XXXX report which is affecting my score. I'm not going to pay this company do not owe them anything. 
This company has committed fraud using my name my information Than I got XXXX who committed fraud used my name and falsely charged my credit card in the amount of {$700.00} this is on my XXXX report this is outrageous how they get ahold of your information this has to be removed from my XXXX 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 explanation
Consumer complaint received 2018-02-13 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I settled a debt with XXXX XXXX in XX/XX/XXXX with the original debtor being Care Credit/XXXX XXXX. XXXX XXXX agreed after the settlement to remove their trade line, which they did. XXXX XXXX/Care Credit is still reporting the account late, but closed. I shows closed and charged off in XX/XX/XXXX, however, it is reporting late on my credit bureaus reports.

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 2018-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report continue to show incorrect and false information for me. My credit was used previously in the past fraudulently and I want to prevent this from ever happening again. I have been trying to have my name and address corrected on my XXXX and Transunion credit report but the incorrect information still remains.

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 2018-02-13 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: CA

Complaint narrative:
My credit report continue to show incorrect and false information for me. My credit was used previously in the past fraudulently and I want to prevent this from ever happening again. I have been trying to have my name and address corrected on my XXXX and XXXX credit report but the incorrect information still remains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13 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: CA

Complaint narrative:
I settled a debt with XXXX XXXX in XX/XX/XXXX with the original debtor being XXXX XXXXXXXX XXXX. XXXX XXXX agreed after the settlement to remove their trade line, which they did. XXXX XXXX XXXX is still reporting the account late, but closed. I shows closed and charged off in XX/XX/XXXX, however, it is reporting late on my credit bureaus reports.

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 2018-02-13 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: CA

Complaint narrative:
I settled a debt with XXXX XXXX in XX/XX/XXXX with the original debtor being XXXX XXXXXXXX XXXX. XXXX XXXX agreed after the settlement to remove their trade line, which they did. XXXX XXXX XXXX is still reporting the account late, but closed. I shows closed and charged off in XX/XX/XXXX, however, it is reporting late on my credit bureaus reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: CA

Complaint narrative:
I settled a debt with XXXX XXXX in XX/XX/XXXX with the original debtor being XXXX XXXXXXXX XXXX. XXXX XXXX agreed after the settlement to remove their trade line, which they did. XXXX XXXX XXXX is still reporting the account late, but closed. I shows closed and charged off in XX/XX/XXXX, however, it is reporting late on my credit bureaus reports.

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