vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-15 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: ID Analytics, Inc.
State: TN

Complaint narrative:
XXXX Applied for a car loan and was accepted for the loan by a credit union. Received report in mail from XXXX XXXX  regarding the loan ( that I did not take out with them but instead used the above credit union ). XXXX XXXX denied my loan due to a report from a company by the name of SageStream ( never heard of them and have no idea who they are ). My XXXX  report shows my credit score as  XXXX as my husband and I have always paid our accounts on time and have never overused credit. The credit report from SageStream puts my credit score at XXXX ( WHAT??? ) The reason is not enough debt experience ( false - I am XXXX years old and have owned a home, numerous financed cars, etc. ), limited history for consumer at this phone number ( have had this number for 20 years ), limited revolving accounts ( I have a XXXX XXXX, XXXX XXXX, XXXX XXXX ), total account balances ( WHAT?? - we keep our bills current and always pay more than owed if not paying off the balance completely every month ). I tried calling them and got into a loop with no answer after 20 minutes. THIS INFORMATION IS TOTALLY FALSE. I am very concerned that this will adversely affect my credit score, which I have kept exemplary for decades. I would like to file a formal complaint regarding this company and their methods of obtaining this score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I payed my bill on Time by setting it up in autopay and the T.J.Maxx credit card Is claiming that the payment was rejected by the bank and is reporting a 30day late payment on my credit report And hurting my score for no reason. Please remove immediately and report accurately.

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 2020-02-15 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: VA

Complaint narrative:
Experian has failed to do a proper investigation regarding this fraudulent account that appears on my credit report. I have made Experian aware of this alleged medical debt that does not belong to me numberous times. They continue to update my credit report stating that this account meets " FCRA requirements '' in an attempt to pretend like they are doing an investigation when all they are doing is updating the date and relying on the collection agencies false reporting. They are solely relying on the original source XXXX XXXX XXXX XXXX ) as verification that this account belongs to me. The address attached to this account is an address that does not belong to me ( see Attachments ) On XX/XX/2020 I filed a lawsuit against XXXX XXXX and XXXX XXXXXXXX XXXX However Experian has a duty to conduct a real investigation outside of the original source. As a result of Experians Failure to conduct a real investigation, They have defamed my character by reporting an account that is not mine.

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 2020-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
GOT A LETTER FROM CONVERGENT OUTSOURCING, INC SAYING I OWE A DEBT FROM XXXX XXXX  FOR {$540.00} AND I COULD SETTLE FOR A AMOUNT OF {$130.00} WHICH I HAVE NEVER HAD SERVICE WITH XXXX. I HAVE READ TONS OF REVIEWS ABOUT THIS COMPANY WHICH ARE ALL NEGATIVE .A LOT OF PEOPLE WHERE SAYING TO REPORT THEM TO YOU ALL AS THEY HAVE DONE.

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 2020-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I am the executor/personal representative of my aunts estate and she passed away, on XX/XX/XXXX, with an outstanding balance of roughly XXXX points ( equivalent of {$880.00} ) on her M & T Bank credit card. I reached out to M & T Bank customer service to get information on the process to close the checking account and to get a check issued for the points balance on the card. I was instructed to deal directly with a branch representative ( no mention that there was an estate services division available to help with such issues ). I sent an affidavit on XX/XX/XXXX directly to the branch with attention to a specific representative, including instructions/inquiries on how to monetize the points on the account. I then followed up with at least 6 phone calls over the next few months dealing with the same Branch representative, but never got a resolution. When I finally gave up with dealing with the representative, I reached out to the credit card customer service. I had to specifically ask if there was an estate services area in order to get them to take any action. Once I inquired with the estate service directly on XX/XX/XXXX, they rejected my request to receive a check, given I was outside the 45 day time frame that was required to make such requests. On a separate note, it took XXXX  XXXX XXXX less than 2 weeks to issue a check on credit card points in the estates name after I started the process with that bank.

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 monetary relief
Consumer complaint received 2020-02-15 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: ID Analytics, Inc.
State: GA

Complaint narrative:
My identity was stolen, I don't know how but checking my credit there since to be a number of accounts in my credit report that do not belong to me, most recently inquiries in my credit by XXXX  XXXX, and a XXXX 's card that was clone I did filled out a polices report but I don't have it right now, lead me to believe someone has been using my name to open accounts fraudulently without my knowledge, please remove the accounts listed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: VA

Complaint narrative:
Equifax has failed to do a proper investigation regarding this fraudulent account that appears on my credit report. I have made Equifax aware of this alleged medical debt that does not belong to me numberous times. They continue to update my credit report stating that this account meets " FCRA requirements '' in an attempt to pretend like they are doing an investigation when all they are doing is updating the date and relying on the collection agencies false reporting. They are solely relying on the original source XXXX XXXX XXXX XXXX ) as verification that this account belongs to me. The address attached to this account is an address that does not belong to me ( see Attachments ) On XX/XX/2020 I filed a lawsuit against XXXX XXXX and XXXX XXXX XXXX. However Equifax has a duty to conduct a real investigation outside of the original source. As a result of Equifax Failure to conduct a real investigation, They have defamed my character by reporting an account that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: CO

Complaint narrative:
For 11 months, I've been attempting to get Experian to correctly show an account which was paid in settlement. Additionally, I've had numerous problems submitting disputes and not getting issues resolved. 

Most recently, I've submitted now two disputes with Experian for a debt that was settled in XXXX of XXXX that as of XX/XX/XXXX, they began to report on my credit report was a " late payment '' This has harmed my ability to get credit and hurt my credit score. 

The account, a former XXXX XXXX credit card shows an open balance of over {$2900.00} which a debt collector, XXXX XXXX XXXX, acknowledged was settled last year. 

This has been brought to Experian 's attention numerous times with no corrected update made.

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 2020-02-15 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: OH

Complaint narrative:
I AM STILL HAVING ISSUES WITH MY CREDIT FILE REFLECTING CURRENT AND ACCURATE INFORMATION. MY PROPER ADDRESS AND ONLY ADDRESS IS XXXX XXXX XXXX ,XXXX XXXX XXXX, XXXX  Ohio XXXX. PLEASE REMOVE ANY AND ALL OTHER ADDRESSES FROM MY CREDIT FILE. I WAS A VICTIM OF FRAUD AND LIKE WOULD LIKE TO REMOVE ANY AND ALL ALERTS. SO I CAN CONDUCT BUSINESS AS USUAL. I HAVE REQUESTED THE REMOVAL SEVERAL TIME AND I STILL HAVE LENDERS TELLING ME I HAVE A FREEZE OR ALERT PLEASE, PLEASE PLEASE, REMOVE IT ASAP!!! THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE/REMOVE : XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX , XXXX OH XXXX There is a unverified account on my credit from a XXXX XXXX XXXX XXXX  XXXX please delete/remove this account this account I have never received any documents or papwerwork that was legally requested and never provided!! FCRA 609,611,623. I BELVIEVE IT TO BE A HIPPA ACT VIOLATION AS WELL.

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 2020-02-15 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: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Made XXXX payment regular payment .carrington called said payment changed because of escrow changes. I paid the difference over the phone. This is not a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I owed a veterinary  balance on my XXXX account I couldn't pay in full on time. It was sold to MCM. After making multiple small one-time payments, I agreed to allow monthly payments from my bank account until paid in full. I paid down to XXXX, but a balance of {$130.00} still remained! Not only was my account not paid, but I added up all my payments to them and they OVERCHARGED ME {$81.00}! I immediately sent an email asking why the agreed upon amount did NOT settle my debt and to return the {$81.00} they took from me. I got a letter stating an investigation was initiated. FOUR MONTHS LATER I GOT A LETTER FROM DIVISION MANAGER, XXXX XXXX -- the account has been closed and I have no further obligation. That is great -- but where is my overpayment return??? I sent a letter to their customer support services in XXXX, MI and got no reply! Please help me demand they give my money back! I am XXXX with very limited income and I need every cent of {$81.00} they overcharged me and decided it is acceptable to keep! They deserve a much more severe punishment for their greediness!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I sent an email to convergent outsourcing but recieved no response. I paid the account off last year and it was updated to paid with XXXX balance. The problem is the date of first delequincy is completely wrong by almost 2 years. Convergent outsourcing has date as XX/XX/XXXX when in fact it should be XX/XX/XXXX. I will submit to cfpb the proff of 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 2020-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've requested to have information removed from the 3 collections accounts on my www.Experian.com credit report removed as they have all been paid off or keep appearing as they are over 10 years old. I asked for original contracts and was told that they can't give me that information. I've contacted the original lenders they want help. I've explained that I'm XXXX XXXX military of 16 years of service who is trying to buy a home and they still disregarded. I spoke with several employees of Experian and was told they are not allowed to share information. I asked how do they know the information is correct? Especially if the time elapse and the account should be removed. A company can sell the contract and the date starts all over again. Asking for the original contract is valid because it will show it was never mine as I never signed for the service. That's why they won't show me the original contract.

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 2020-02-15 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: GA

Complaint narrative:
My identity was stolen, I don't know how but checking my credit there since to be a number of accounts in my credit report that do not belong to me, most recently inquiries in my credit by XXXX  XXXX, and a XXXX 's card that was clone I did filled out a polices report but I don't have it right now, lead me to believe someone has been using my name to open accounts fraudulently without my knowledge, please remove the accounts listed from 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 non-monetary relief
Consumer complaint received 2020-02-15 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: LEXISNEXIS
State: GA

Complaint narrative:
My identity was stolen, I don't know how but checking my credit there since to be a number of accounts in my credit report that do not belong to me, most recently inquiries in my credit by XXXX  XXXX, and a XXXX 's card that was clone I did filled out a polices report but I don't have it right now, lead me to believe someone has been using my name to open accounts fraudulently without my knowledge, please remove the accounts listed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: GA

Complaint narrative:
My identity was stolen, I don't know how but checking my credit there since to be a number of accounts in my credit report that do not belong to me, most recently inquiries in my credit by XXXX  XXXX, and a XXXX 's card that was clone I did filled out a polices report but I don't have it right now, lead me to believe someone has been using my name to open accounts fraudulently without my knowledge, please remove the accounts listed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: FL

Complaint narrative:
Made XXXX payment regular payment .XXXX  called said payment changed because of escrow changes. I paid the difference over the phone. This is not a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: Innovis
State: GA

Complaint narrative:
My identity was stolen, I don't know how but checking my credit there since to be a number of accounts in my credit report that do not belong to me, most recently inquiries in my credit by XXXX XXXX, and a XXXX 's card that was clone I did filled out a polices report but I don't have it right now, lead me to believe someone has been using my name to open accounts fraudulently without my knowledge, please remove the accounts listed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington Mortgage services reported me late for XX/XX/2020. I sent the regular payment on time. They called that the payment had changed due to escrow changes. I paid the difference over the phone. A consumer can not be reported late due to escrow changes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, PA, XXXX SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX  {$8100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: GA

Complaint narrative:
My identity was stolen, I don't know how but checking my credit there since to be a number of accounts in my credit report that do not belong to me, most recently inquiries in my credit by XXXX  XXXX, and a XXXX 's card that was clone I did filled out a polices report but I don't have it right now, lead me to believe someone has been using my name to open accounts fraudulently without my knowledge, please remove the accounts listed from 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 2020-02-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  XXXX  reported me late for XX/XX/2020. I sent the regular payment on time. They called that the payment had changed due to escrow changes. I paid the difference over the phone. A consumer can not be reported late due to escrow changes

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 2020-02-15 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: TX

Complaint narrative:
I paid off and closed my XXXX bank credit card account in XXXX of XXXX. I have not used it sine. This week, in XX/XX/XXXX, they reported that I was delinquent on an amount of {$6.00}. I can not log into my account, and they have not responded to me. In the meantime, a loan application I submitted was denied for the reason " You have a current delinquency showing on your credit report. '' For XXXX  : I would like to be put in contact with them, I would like an explanation as to why my 100 % perfect payment record across two dozen accounts is tarnished, and I would like the delinquency removed from my account. 

Best, 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 non-monetary relief