vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020, I sent an letter to XX/XX/XXXX Home Loans ( account # XXXX XXXX. I advised XX/XX/XXXX Home Loans that the company is reporting incorrect information to credit bureaus indicating the account is currently 90 days past due. However, XX/XX/XXXX Home Loans sold the loan to another company and should be reported 90 days past due.

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 2020-12-22 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: IN

Complaint narrative:
My name is XXXX XXXX, I am reaching out to you about multiple false, full of errors, and reporting inaccurately accounts on my experian report. I have reached out to Experian multiple times and have had multiples talks with reps and mangers about these accounts and were told they would be removed, these accounts are in litigation because of and Identity Theft incident which has already been discussed with Experian. They have failed to remove these accounts and will be included in the law suit if they do not correct and remove them immediately. 

ACCOUNT : S DEPT OF ED/XXXX ... ( REPORTING 5 TIMES INACCURATELY, MISSING DATA, REPORTING PAID AND COLLECTION AT SAME TIME, CAUSED FROM IDENTITY THEFT )

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 2020-12-22 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: PA

Complaint narrative:
I disputed an account that has been settled in full on XX/XX/XXXX. Experian failed to properly investigate this dispute. XXXX XXXX agreed to settle the account in full in XX/XX/XXXX. This account now has a {$0.00} balance after I paid {$180.00} for four months and a final payment of {$180.00} on XX/XX/XXXX. I uploaded all documentation that showed the settlement agreement from XXXX XXXX along with a statement that showed all payments made. Experian updated the dispute today on XX/XX/XXXX and it continues to say that I have a charge-off with a past-due balance of {$1300.00}.

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 2020-12-22 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: FL

Complaint narrative:
Account is reporting a late payment from XX/XX/2019 incorrectly. Credit card company XXXX XXXX XX/XX/XXXXXXXX said they would fix the issue and I sent the letter to the bureau and it still hasnt been removed.

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 2020-12-22 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: VA

Complaint narrative:
The unverified XX/XX/XXXXXXXX XXXX XXXX # XXXX remain on my credit report in violation of Federal Law. I have never sign any contract with XX/XX/XXXX XXXX XXXX XX/XX/XXXX and you have not provided a copy of the original creditors documentation on file to verify that this information is mine and is correct. This company is involved in predatory behavior and still you continue to report inaccurate information affecting my ability to secure a mortgage to buy a property due to a low score causing a lot of emotional stress to my family and I. 
I demand the above account be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: FL

Complaint narrative:
Account is reporting a late payment from XX/XX/2019 incorrectly. Credit card company XXXX XX/XX/XXXX said they would fix the issue and I sent the letter to the bureau and it still hasnt been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I applied for a refinance of my mortgage on or around XX/XX/XXXX via my existing lender, NewRez Financial. I paid for an appraisal and received that appraisal on or around XX/XX/XXXX which confirmed home value. I also received conditional approval around this date as well. I have been emailing on an almost weekly basis to get updates on progress and received limited to no feedback. It is now XX/XX/2020 and I have no idea if the mortgage will be refinanced or if they are just trying to avoid completing. 

I am concerned they took my money, financial information and now don't seem to have an intention to close. This is now costing me money as I could have refinanced with another lender and saved over $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My account information was sent to credit bureau in default of lowering my balance. I had no idea, my credit score was being affected by adjusting my balance.

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 2020-12-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: TX

Complaint narrative:
Credit Control has reported a collection account to my consumer credit file. I do not owe this alleged debt. If Credit Control has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt to be collected by Credit Control. Credit Control has no legal right to attempt to collect a debt as there is no balance owed to XXXX XXXX XXXX. Further, Credit Control never validated this debt nor sent me a notice of collection. I have learned that Credit Control is in violation of the FCRA and the FCDPA. At this point I ask that this non - validated derogatory account be removed from the credit bureaus immediately as this should not have ever been reported nor attempted to be collected on.

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 2020-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2020 at XXXX I received a phone call from someone claiming to be a representative from XXXX XXXX XXXX and said power would be shut off if payment wasn't made in the amount of {$360.00}. All utilities are in my roommate 's name, but she is changing over into my name as she is moving. I thought this phone call was in relation to that and that I needed to take care of it right away! The rep was stressing that he had a technician there ready to shut off power. 
" XXXX XXXX XXXX '' requested payment be made immediately via XXXX, which I did. As soon as I hung up, I realized that I had probably been scammed. I called the phone number the representative gave me for the billing department, and a woman answered and had no idea what I was talking about. 
I called my bank ( Bank of America ) right away and explained what happened. I asked them to suspend/cancel the transaction as it was still " pending '' and they said they could not stop it. I filed a complaint and a request to have my account credited in the full amount. BofA said they would investigate, but since I authorized the transaction, they probably couldn't get my money back. BofA said investigation would take about 10 days.

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 2020-12-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020, I contacted XXXX XXXX account ( XXXX ) I don't have an account with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One agreed to settle the account in full in XX/XX/2020 for {$900.00}. I made four payments of {$180.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I made a final payment of {$180.00} on XX/XX/2020. Capital One updated my account on XXXX on XX/XX/20 with a past-due balance of {$1300.00} although they agreed to update the account as settled in full with a {$0.00} balance. I have all documentation that shows that I paid {$900.00}, as well as the settlement agreement from Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner

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 2020-12-22 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: IN

Complaint narrative:
My name is XXXX XXXX and i have reached out to Equifax on several occasions, They have failed to remove multiple fraud related accounts that are reporting inaccurately and invalid on my consumer report.. These accounts and the companies thAT HAVE USED MY IDENTITY WITHOUT MY CONSENT ARE NOW IN LITIGATION. I AM REQUESTING THAT EQUIFAX REMOVE THESE ITEMS IMMEDIATELY..FAILURE TO DO SO WILL RESULT IN ADDING THEM TO THE LAWSUIT AS THEY HAVE VIOLATED THE FCRA IN MULTIPLE REPORTING VIOLATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Coradius International LLC
State: CA

Complaint narrative:
I received a letter in the mail on XX/XX/2020 informing me that I {$960.00} to XXXX XXXX XXXX XXXX I have never used a XXXX account so I have no idea where this notice is coming from or how I would owe them that much money. I am not even sure where this came from because the letter was addressed to me using my maiden name and I have been married for over two years now and do not use my maiden name for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: CA

Complaint narrative:
All of these accounts and inquiries and phone numbers and name is fraudulent I upload proof please correct my information on my report my transunion File Number : is XXXX im a victim of identity theft

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 2020-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A ALLEGED DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE CONNECTING ME TO THE DEBT.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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:
I noticed a Collection on my Transunion, XXXX & XXXX credit report on XX/XX/2020 XXXX XXXX is reporting a balance on my Credit Report for {$3900.00} which is not my Account

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 2020-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020, I contacted XXXX XXXX account ( XXXX ) I don't have an account with the company.

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 2020-12-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020, I contacted XXXX XXXX account ( XXXX ) I don't have an account with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: FL

Complaint narrative:
On XX/XX/2020, I contacted XXXX XXXX account ( XXXX ) I don't have an account with the company.

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 2020-12-22 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: TN

Complaint narrative:
account information does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: TN

Complaint narrative:
account information does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received a letter in the mail on XX/XX/2020 informing me that I {$960.00} to PayPal , Inc . I have never used a PayPal account so I have no idea where this notice is coming from or how I would owe them that much money. I am not even sure where this came from because the letter was addressed to me using my maiden name and I have been married for over two years now and do not use my maiden name for anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22 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: LoanCare, LLC
State: WA

Complaint narrative:
This company is the only one that has messed up my credit report for their mistakes Loan Care / XXXX XXXX  Start of issues when Loan Care took over our home loan. 

I make my payments anywhere from the XXXX to the XXXX of the month before it is due. I was told this would not be a problem. ( I am only on Social Security so I can not keep the money in my account as it would be used up unintentionally. ) XXXX - @ XXXX - XXXX I had received a late notice and they put it to the change in providers and would take care of it. 

I had received another notification of lack of payment and called : XXXX - @ XXXX and spoke with XXXX about it and she said that there was a missing XXXX payment. I let her know that the payment had cleared my account month ago. Sent an email of the two ( 2 ) statements and she found that it had been put into the wrong account and that I had not changed the to the new number ... I had changed it all as soon as I received the notification of the new company with my home loan. Went through and deleted and re-imputed the same information with her on the phone. It was to have been all taken care of. 

XXXX - @ XXXX - XXXX XXXX I had received Another late notice ) found AGAIN that it had been put into the wrong account ... how I do not know so deleted the same information and re-input with her on the phone the account number it was to go to ... which is STILL the same one I had been using. 

She said she would take care of it being late. 

XXXX - @ XXXX - XXXX did not know so transferred me to the supervisor XXXX he said that the last call process had not been completed in XXXX by XXXX and was not under the proper format so accounting disregarded it. 

He said he was reworking this and would call me back in several days ... of course, I did not receive a call back but for some reason this is all my fault have been punished and cost me respect and the ability to deal with monetary issues that I have worked hard to have at my disposal. 

I had my hands full with my XXXX and her XXXX, selling her home and moving her so had not time to babysit what they were doing just kept making the mortgage payments. ( My mothers in an XXXX and now I can not afford to keep her there until medicaid goes through or my credit is repaired )

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 2020-12-22 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:
Equifax is reporting I have XXXX collections in the summary section of my credit report. However, I there are not collection listed, please correct the error as it's effecting my credit report. 

I have attached screen shots as well. Please correct ASAP.

Company response to consumer: Closed with explanation