vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-29 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: MO

Complaint narrative:
I send Transunion several letters requesting they make justifiable corrections or removals of unverified or invalid allegations of account information to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy and compliance else wise of every single one even each any and or of the aspects of alleged account information documentary to be proven mine do to future enhance your adequate and mandated compliance to proper and fair reporting. After reviewing my credit report I found a number of items on the report inaccurate and they have failed to correct it. I send about five letters the last one was send certified tracking number XXXX. They have failed to send me copies of the documents that they have in their file as of this date that was used to verify the accuracy of the following account. XXXX XXXX account # XXXX. I Along with XXXX telephone numbers XXXX. XXXX. XXXX. XXXX. Also a few inquiries that I did not authorize. XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX. XXXX XXXX. XXXX. XXXX. XXXX. XXXX XXXX. I contacted the original creditor as suggested and have disputed these items but transunion is still reporting these unproven to be authorized alleged inquiries.

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 2017-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I had an account with XXXX and my original monthly bill was for {$250.00}, but they 'll charge as high as {$500.00} sometimes XXXX double billing ), I 'd have to spend hours with them on the phone every month to fix the billings issues. I finally got tired of it and switched to XXXX. I received a final bill from XXXX which I paid them in 3 installments XXXX receipts and final bill is attached ). To my surprise, I received a credit monitoring report saying there 's a collection in my account and the original Creditor is XXXX. 

I went to their corporate store to settle the issue and they directed me to call their XXXX number, I called and they directed me back to the store. I also tried to reach the collection agency and they again directed me to XXXX which was just playing games. 

This is running the credit I 've spent years building and I 'd highly appreciate anything you can do to help.

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 2017-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meade & Associates, Inc.
State: MI

Complaint narrative:
I contacted Meade & Associates XXXX XXXX 2017 after reviewing Credit report I told them that I never wrote a check to XXXX for {$90.00} & {$60.00}. I gave them the last XXXX digits of my social XXXX along with date of birth. I have never had a joint bank account with a XXXX XXXX my wife name is XXXX XXXX. XXXX. They said they could see from the information that this was not me. They said that I would have t contact XXXX to have it removed I did XXXX said as of XXXX/XXXX/2017 that they belong to me if they send me a copy of the checks I can prove these checks are not mine. I contacted XXXX to see were the checks were drawn from spoke with XXXX XXXX said she would Email me or call that was Friday please call XXXX XXXX and tell them to send me the copies of the check and to send info to XXXX to remove from my files. Ps. I told XXXX XXXX never stay on XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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: OH

Complaint narrative:
I was going over all 3 of my credit reports and I noticed that there was a few errors and inaccurate accounts listed on my report. Under the Fair and Accurate Credit Transactions act I should have been notified of the changes to my report and giving a proper update.I seen accounts I have never seen or done business with these company. I would like a full investigation into these matters : 1. XXXX XXXX XXXX # XXXX This account is beyond the status of limits please delete.This account was re-aged it has been closed since 2009! 2.XXXX XXXXXXXX XXXX XXXX This account is under a class action lawsuit for Fraud it is a error please delete. The company no longer is in business and this account is inaccurate. 3.  XXXX XXXX XXXX # XXXX This account was already paid in full never late listed as collection paid in full. Error please delete. 4. XXXXXXXX XXXXXXXX XXXX # XXXXHIPPA Act Violation. This account was paid toward the original creditor Dr. Office. There is no need for XXXX XXXX to have access to my personal FEDERALLY PROTECTED PRIVATE MEDICAL RECORDS. I NEVER GIVE THEM PERMISSION TO ACCESS IT. 5.XXXX XXXX # XXXX I have never done business with this company I do not recognize this company. please delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-29 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: OH

Complaint narrative:
I was going over all 3 of my credit reports and I noticed that there was a few errors and inaccurate accounts listed on my report. Under the Fair and Accurate Credit Transactions act I should have been notified of the changes to my report and giving a proper update.I seen accounts I have never seen or done business with these company. I would like a full investigation into these matters : 1. XXXX XXXX XXXX # XXXX This account is beyond the status of limits please delete.This account was re-aged it has been closed since 2009! 2XXXX XXXX # XXXX This account is under a class action lawsuit for Fraud it is a error please delete. The company no longer is in business and this account is inaccurate. 3. XXXX XXXXXXXX XXXX # XXXX This account was already paid in full never late listed as collection paid in full. Error please delete. 4. XXXX XXXX XXXX # XXXXHIPPA Act Violation. This account was paid toward the original creditor Dr. Office. There is no need for XXXX XXXX to have access to my personal FEDERALLY PROTECTED PRIVATE MEDICAL RECORDS. I NEVER GIVE THEM PERMISSION TO ACCESS IT. 5.XXXX XXXX # XXXX I have never done business with this company I do not recognize this company. please delete.

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 2017-10-29 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: LA

Complaint narrative:
My mortgage servicer, XXXX XXXX XXXX, XXXX, has been intentionally and constructively harming me by reporting maintaining that my loan is in a default status and has been late for seven months ( in addition to the late payments reported when XXXX came on as my servicer in XXXX XXXX and immediately put me into default, whilst in a long term forbearance agreement due to a Hurricane litigation case with my my homeowner 's ). All attached documentation represents a clear and necessary forbearance agreement. I entered into a forbearance agreement with my servicer, as I was legally defending them in Hurricane XXXX litigation with my homeowner 's insurer, XXXX, because XXXX was heavily blaming the servicer for the damages on my property. In exchange for forbearance, the servicer at the time, XXXX, promised forbearance and credit suppression UNTIL THE LITIGATION WAS COMPLETED. We settled with XXXX in XXXX XXXX. XXXX inherited this agreement and never honored it, contrastly, they intentionally created and maintained a default status for my loan by shifting amounts into the time period that our forbearance agreement ended XXXX XXXX XXXX XXXX for their own nefarious purposes. This is NOT accurate reporting. XXXX however, accurately came to the determination that my account is 0 days past due and is paid as agreed. 
In addition to the inaccuracies that exist on my payment history, XXXX is also misrepresenting the payment amount that is due, as well as the statement that we had entered into an agreement to pay less. Please produce this document. I have requested a copy of such an agreement and have yet to received anything of the sort. In fact, XXXX has refused for over a year now to even explain the charges, internal codes or abbreviations listed on the accounting on my loan that XXXX repeatedly sends to me XXXX after promising to due so ), so it is impossible for me to make a knowledgeable and comprehensive determination as to what values are good and which are valid ; Therefore, any amount listed and reported on any credit bureau as the true and correct balance is a completely untruthful number because my account is laden with fraudulent charges. These adjustments that are being completely refused and ignored by XXXX and their representatives.

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 2017-10-29 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: FL

Complaint narrative:
Equifax, still shows XXXX hard inquires, that have been reported as fruard, by myself and the credit card company. But was never taken off. 

Ive tried several times. But unable to reach equifax, customer service.this is the most unprofessional service Ive ever experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My mortgage was transferred to Shellpoint in XXXX XXXX. I am unable to refinance my home due to a mortgage gap Shellpoint has created by not properly reporting the payment history from when Shellpoint began servicing the loan. Shellpoint began servicing my loan on XXXX/XXXX/XXXX and I was notified XXXX that my loan would be transferred from XXXX XXXX XXXX. When I checked my credit report recently, I saw that Shellpoint was quoting $ XXXX past due entirely inaccurate. I called Shellpoint starting in XXXX XXXX and ascertained that the payment history from previous loan servicer, XXXX XXXX XXXX, was not reported accurately. I faxed over a ledger of detailed payment history from XXXX XXXX XXXX for years XXXX, demonstrating accurate and timely payment history. The representative said she would escalate to a department that handles that and would get back to me within a week. After about 10 days, she reported that the department she escalated to was not the right department and did not have an update for me yet. I faxed over additional information from my bank demonstrating that payments for XXXX were delivered and cashed by former servicer and should be acknowledged by Shellpoint. Moving into XXXX and, I had three phone calls with XXXX, the representative, and two phone calls with her supervisor. I was told that I would have a detailed ledger showing updated payment history and new past due amount. That ledger was still in accurate and not showing all payments made to prior servicer. On XXXX XXXX, XXXX, I faxed over copies of previous servicer 's statements from XXXX and XXXX, demonstrating the mortgage payment amounts ( {$3600.00} and {$3600.00} XXXX because the representative said their accounting department thought my mortgage payment to prior servicer was the same amount as Shellpoint 's {$4000.00}. 
It is now XXXX and I 'm out of bankruptcy. Even with a XXXX XXXX XXXX XXXX XXXX showing a past due amount to Shellpoint claimed and paid, I have yet to receive an accurate accounting of my payment history. Additionally, Ive made two mortgage payments recently and received no receipt of payment, no statement, and no updates to my online account. 
And finally, although I am eligible for an XXXX XXXX, without an accurate accounting of my mortgage history, I can not access the refinance option provided by XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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: MO

Complaint narrative:
I send Equifax several letters requesting they make justifiable corrections or removals of unverified or invalid allegations of account information to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy and compliance else wise of every single one even each any and or of the aspects of alleged account information documentary to be proven mine do to future enhance your adequate and mandated compliance to proper and fair reporting. After reviewing my credit report I found a number of items on the report inaccurate and they have failed to correct it. I send about several letters that have been ignored the last one was send certified tracking number XXXX. They have failed to send me copies of the documents that they have in their file as of this date that was used to verify the accuracy of the following accounts. 1. XXXX 2.XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6.XXXX Also a few inquiries that I did not authorize. 1. XXXX XXXX -XX/XX/XXXX 2. XXXX XXXX/XX/XX/XXXX 3.XXXX XXXX XXXX-XX/XX/XXXX. I contacted the original creditor as  suggested and have disputed these items but XXXX is still reporting these unproven to be authorized alleged inquiries as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent dispute letters out on in XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX. The account I am inquiring about I asked them to validate not verify this account. The company keeps sending me letters saying the account is verified, but did not validate as in showing any signature 's to show me this account is mine. Also calling the company asking them to validate not verify they never have me validation of this particular account. I asked numerous amount of times can you please validate out delete within the 30 day period, and the company keeps saying my account is verified. I asked for the name of the person verifying this account and information used to verify this account and they denied giving me the information, and I have rights as a consumer to know this information. They sent me a letter saying I can not dispute the account in question anymore. As a consumer I have the right to dispute, and ask about an account on 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 explanation
Consumer complaint received 2017-10-29 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: LA

Complaint narrative:
My mortgage servicer, XXXX XXXX XXXX, XXXX, has been intentionally and constructively harming me by reporting maintaining that my loan is in a default status and has been late for seven months ( in addition to the late payments reported when XXXX came on as my servicer in XXXX XXXX and immediately put me into default, whilst in a long term forbearance agreement due to a Hurricane litigation case with my my homeowner 's ). All attached documentation represents a clear and necessary forbearance agreement. I entered into a forbearance agreement with my servicer, as I was legally defending them in Hurricane XXXX litigation with my homeowner 's insurer, XXXX, because XXXX was heavily blaming the servicer for the damages on my property. In exchange for forbearance, the servicer at the time, XXXX, promised forbearance and credit suppression UNTIL THE LITIGATION WAS COMPLETED. We settled with XXXX in XXXX XXXX. XXXX inherited this agreement and never honored it, contrastly, they intentionally created and maintained a default status for my loan by shifting amounts into the time period that our forbearance agreement ended XXXX XXXX XXXX XXXX for their own nefarious purposes. This is NOT accurate reporting. XXXX however, accurately came to the determination that my account is 0 days past due and is paid as agreed. 
In addition to the inaccuracies that exist on my payment history, XXXX is also misrepresenting the payment amount that is due, as well as the statement that we had entered into an agreement to pay less. Please produce this document. I have requested a copy of such an agreement and have yet to received anything of the sort. In fact, XXXX has refused for over a year now to even explain the charges, internal codes or abbreviations listed on the accounting on my loan that XXXX repeatedly sends to me XXXX after promising to due so ), so it is impossible for me to make a knowledgeable and comprehensive determination as to what values are good and which are valid ; Therefore, any amount listed and reported on any credit bureau as the true and correct balance is a completely untruthful number because my account is laden with fraudulent charges. These adjustments that are being completely refused and ignored by XXXX and their representatives.

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 2017-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have an American Express Hilton HHonors Card since XXXX, 2017. On XXXX, I add XXXX authorized cards for my family through XXXX spending offer for adding authorized cards. The offer was " add an authorized for XXXX Hilton HHonors Credit Card, and spend {$500.00} in three months, receive XXXX Hilton Honors, up to 4 additional cards, up to XXXX bonus ''. After we received these four cards, I activated them through Online Chat with the help of one specialist. And in the next one month, we finished all the spending request on these four cards. We should received XXXX Hilton HHonors. But we only received one XXXX points on XXXX XXXX. I tried to chat with one specialist, he said I need to wait for 6 weeks. 6 weeks later, still not the left XXXX bonus. I online chatted again, and someone help to submit a investigation on my points and said it would be top priority and will finish in days. About one week later, I connect XXXX through online chat again, and this time the SP said there will be not XXXX points for me because the left 3 authorized were closed by XXXX. How would that be? I applied through XXXX authorized card offer and activated them by the help of XXXX and finished all the spending request. But only give me one bonus, and then closed the other three ( Before XXXX closed them, we already finished the spending request ), I also connect them several times, and did n't help me solved the problem. Lied to me, did n't give me the other XXXX HHonors and even closed these three accounts! How can I trust XXXX next time I need to open authorized cards for my family?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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: MO

Complaint narrative:
I send Transunion several letters requesting they make justifiable corrections or removals of unverified or invalid allegations of account information to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy and compliance else wise of every single one even each any and or of the aspects of alleged account information documentary to be proven mine do to future enhance your adequate and mandated compliance to proper and fair reporting. After reviewing my credit report I found a number of items on the report inaccurate and they have failed to correct it. I send about several letters the last one was send certified tracking number XXXX. They have failed to send me copies of the documents that they have in their file as of this date that was used to verify the accuracy of the following late payment that is currently being reported on my credit report with the XXXX. I Also Reporting inaccurate addresses that I currently DO NOT reside at in which I called several months ago requesting for them to remove from my credit report in which they are still reporting the following that needs to be removed XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. As well as a couple of employers XXXX XXXX and XXXX XXXX XXXX. Also a few inquiries that I did not authorize. XXXX. XXXX XXXX XXXX/XXXX/XXXX. XXXX. XXXX XXXX. I contacted the original creditor as suggested and have disputed these items but transunion is still reporting these unproven to be authorized alleged inquiries.

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