vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: ND

Complaint narrative:
My synchrony card for XXXX XXXX had brought down my credit limit from XXXX to XXXX. I owed XXXX at the time they did this. One week later my promotional Purchase ended which resulted in a fee of over XXXX dollars and now has put me over the limit. I have one other promotional fee on this account and that ends in 60 days so I  know that there will be a large fee from that also. So my Credit report will show I am over the limit on this card. It will take me a while to pay down XXXX and this will sit on there for a while. 

I also think the fees on each purchase is very high. 

Thank you XXXX XXXX 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 monetary relief
Consumer complaint received 2020-10-10 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 have several issues with how the department of education XXXXefault resolution group is reporting my student loans. 
1st the originator of the loan reported it as one tradeline. The subsidized and unsubsidized portions are parts of one agreement and interest and terms were a package deal. See credit report showing fed loan Servicing reporting ONE tradeline for a total of XXXX and change. 
The department of education default resolution group is reporting TWO tradelines that add up to original loan amount. 
The document attached was found on the Department of Education website and defines some ground rules regarding CONSISTANCY, servicers required to use same basic framework, Borrowers and  creditors will be able to follow payment history easily, even when servicers change ( XXXX XXXX indicates a transfer but does not say to whom ... default resolution group does not indicate it was transferred and even further deliberately disguises it by splitting and giving different account numbers misleading creditors to believe they are 3 unrelated trade lines instead of one that was transferred. This is an inaccurate representation of my credit. ) In addition The default resolution group has continued to add charge offs to a closed account! This is against fair credit reporting. 
If lates do not begin till 120days and closed within one year there could only possibly be 8 charge offs with them. Even if they reported lates or charge offs at 30 days it would be a maximum of 11! See picture showing 32! I believe they are trying to report for time they did not even own the debt! 
XXXX XXXX XXXX reported their own lates/ charge offs. This is double jeopardy. 
Retention in NY is 5yrs instead of 7. Please remove. You can verify this with the bureaus directly. 
Furthermore I was given an ultimatum to accept a quid pro quo deal. They will only correct how they are reporting if I rehabilitate the loan. I do believe this is against the law. I will file a foil request to get a copy of conversations that representatives made this offer again and again. 
XXXX XXXX ( XXXX XXXX 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 explanation
Consumer complaint received 2020-10-10 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: NY

Complaint narrative:
I

have several issues with how the department of education default resolution group is reporting my student loans. 1st the originator of the loan reported it as one tradeline. The subsidized and unsubsidized portions are parts of one agreement and interest and terms were a  package deal. See credit report showing fed loan Servicing reporting ONE tradeline for a to
tal of XXXX  and change.

The depa
rtment of education default resolution group is reporting TWO tradelines that add up to original loan amount. The document attached was found on the Department of Education website and defines some ground rules regarding CONSISTANCY, servicers required to use same basic framework, Borrowers and
creditors will be able to follow payment history easily, even when servicers change ( XXXX XXXX indicates a transfer but does not say to whom ... default resolution group does not indicate it was transferred and even further deliberately disguises it by splitting and giving different account numbers misleading creditors to believe they are 3 unrelated trade lines instea

d of one that was transferred. This is an inaccurate representation of my credit. ) In addition The default resolution group has continued to add charge offs to a closed account! This is against fair credit reporting. If lates do not begin till 120days and closed within one year there could only possibly be 8 charge offs with them. Even if they reported lates or charge offs at 30 days it would be a maximum of 11! See picture showing 32! I believe they are trying to report for time t
hey did not even own the debt! 
XXXX XXXX XXXX reported their own lates/ charge offs. This is double jeopardy.

Retention in NY is 5yrs instead of 7. Please remove. You can verify this with the bureaus directly.

Furthermore I was given an ultimatum to accept a quid pro quo deal. They will only correct how they are reporting if I rehabilitate the loan. I do believe this is against the law. I will file a foil request to get a copy of conversations that representatives made this offer again and again. 
XXXX XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: PNC Bank N.A.
State: PA

Complaint narrative:
on XX/XX/2020 i paid off my home Equity Loan in full Account number XXXX. The proceeds from the sale of my marital property funded the payoff of the account. I had been in CONSTANT contact previous to the payoff asking for amnesty under the CARES act for the late payments on XX/XX/2020, XX/XX/2020 XX/XX/2020 XX/XX/2020 i explained to them that based on the COVID 19 virus i was furloughed from work and unable to get caught up. I asked for amnesty and deferrment but was granted NEITHER because they said the property was listed for sale. Once i paid the account infull i was told the late payments would be removed based on the tenants of the cares act. I have since made calls and sent letters to the three Credit Reporting agencies with NO RESOLUTION. I havent even received a response by mail from the Credit Reporting agencies to provide resolution to this problem. I am now seeking help from the CFPB to have these late payments forgiven under the cares act. I am not able to purchase another property and am faced with losing the housing arrangement i have set up with my current landlord BECAUSE these late pmts RESTRICT me from attaining another Mortgage under FNMA and FHA guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
At XXXX, Equifax refuses to provide an online credit report and instead requires the individual to go through the US Mail to request a credit report. 
There's no technical reason for subjecting a person to this inconvenience in order to obtain their own information, as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I was paying my car on time with Nissan financial idk what happened but I have proof of the last year making payments on time. Horrible situation all over Some late fees they pushed all my payments as late and passed 60-90 days. I was literally homeless and was still paying for this car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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:
Please investigate the following information. XXXX XXXX XXXX   XXXX. The address for this creditor is incorrect, correct it or delete this account. The date of last payment is incorrect, correct it or delete this account. The date of 1st delinquency is incorrect, correct it or delete it. XXXX XXXX XXXX  XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high credit amount is incorrect, correct it or delete this account. XXXX XXXX XXXX XXXX XXXX. No contract with this company. Refused to provide documentation this is a valid debt. Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
Hello, I am filing a compliant about a Debt Collections agency called Convergent Outsourcing. I had an old phone bill for XXXX sent to them. In a piece of mail and on their website they falsely claim to make a settlement for the amount owed. On their website they claimed if I made a payment for XXXX my debt would be cleared. It has still never cleared, when logging on to review my account with them it is asking for another amount to settle the account. I have XXXX screen shots attached below. I have also emailed them multiple times and never get a response. I would like to clear this off of my credit report as I plan to join the XXXX next year and can not have accounts in collections. 

thank you.

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 2020-10-10 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: TX

Complaint narrative:
Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, by updating the date of last activity on your credit report in hopes of keeping negative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.

these companies have re-aged all my '' alleged accounts ' Totaling to a {$10000.00} plus LAWSUIT for all the re-aged accounts.

I have tried to correct this issue with them several times and they refused to remove the information from my credit, i have consulted an attorney to work on my behalf for the damages brought to my credit report.

I have also enclosed the letter i sent to all three companies, they have yet to respond and its been 60 or more 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 2020-10-10 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: WI

Complaint narrative:
Hello, I have been trying every month for the last year to get inaccurate information removed from my credit report. I started in XX/XX/2019 and have tried every month since then, I keep receiving correspondences back that state verified. I have contacted the Bankruptcy court that states that they do not report to credit agencies, and I have also contact XXXX XXXX and they have not been able to provide me with a method of verification. How is the bureau verifying this info, if I the consumer am unable to verify the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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:
Please investigate the following information. XXXX XXXX XXXX   XXXXThe address for this creditor is incorrect, correct it or delete this account. Date open is incorrect, correct it or delete it. The status updated is incorrect, correct it or delete this account. The Terms are incorrect, correct it or delete it. XXXX XXXX XXXX XXXX XXXX. Date open is incorrect, correct it or delete it. Original balance is incorrect. Correct or delete this account. The terms are incorrect, correct it or delete this account. XXXX XXXX XXXX XXXX XXXX No contract with this company. Refused to provide documentation this is a valid debt. Delete this account. XXXX XXXX Date open is incorrect, correct it or delete it. The highest balance is incorrect, correct it or delete it.

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 2020-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, by updating the date of last activity on your credit report in hopes of keeping negative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

these companies have re-aged all my '' alleged accounts ' Totaling to a {$10000.00} plus LAWSUIT for all the re-aged accounts. 

I have tried to correct this issue with them several times and they refused to remove the information from my credit, i have consulted an attorney to work on my behalf for the damages brought to my credit report. 

I have also enclosed the letter i sent to all three companies, they have yet to respond and its been 60 or more days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: TX

Complaint narrative:
Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, by updating the date of last activity on your credit report in hopes of keeping negative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.

these companies have re-aged all my '' alleged accounts ' Totaling to a {$10000.00} plus LAWSUIT for all the re-aged accounts.

I have tried to correct this issue with them several times and they refused to remove the information from my credit, i have consulted an attorney to work on my behalf for the damages brought to my credit report.

I have also enclosed the letter i sent to all three companies, they have yet to respond and its been 60 or more 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 2020-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Escrow balance as of XX/XX/2020 is {$6700.00}. Escrow account was cancelled on XX/XX/XXXX. My mortgage payment per month is as of XX/XX/2020 is as follows : Principal {$850.00}, Interest {$1800.00} and Escrow ( Taxes and Insurance ) {$1000.00}. Total is {$3800.00} per month. IT IS STILL COLLECTING AN EXTRA {$1000.00} PER MONTH FOR ESCROW AND NOT REFUNDING FULL ESCROW BALANCE, AFTER ESCROW ACCOUNT WAS CANCELLED ON XX/XX/220. I only received {$560.00} for Escrow refund. Thus a lawsuit will be filed, seeking all damages and attorneys fees. 

CC. XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: WI

Complaint narrative:
Hello, I have been trying every month for the last year to get inaccurate information removed from my credit report. I started in XX/XX/2019 and have tried every month since then, I keep receiving correspondences back that state verified. I have contacted the Bankruptcy court that states that they do not report to credit agencies, and I have also contact XXXX XXXX and they have not been able to provide me with a method of verification. How is the bureau verifying this info, if I the consumer am unable to verify the information.

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 2020-10-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I do feel as if my concerns are not being addressed by Transunion which makes me feel as if I am being taken advantage of now. I do understand that by law the Transunion has 30 days to respond giving results of an investigation which gives a reason to immediately remove these items I've attached and listed because it has been well over 60 days now. I demand that we settle this promptly or I will have to file for litigation as a consumer because this has put me through stress to find out how to get a response. I realized that my information was impacted by the XXXX  XXXX and may have got into the wrong hands of the wrong person.

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 2020-10-10 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: AL

Complaint narrative:
I have reached out to Experian respectfully requesting XXXX deletion of the invalid item. After this not being done I second requested validation of the item and third how they " verified as that stated without any validation. I keep getting the same generic response. There are using their computer system to spit out responses instead of properly investigating and removing this erroneous item from my report. XXXX  processed a proper investigation and promptly removed the account from the report. I am requesting the above mentioned do the same. Neither can provide any information, signed documents, contacts, or judgment for this collection in question but have not removed this erroneous item from my account which is causing harm to me and my family. I have reached out to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX which each of these requests have taken well over the 30-day window for responses as well from the amount of collection is {$4600.00}. The account number is shown in the attachments. Steps I have taken are shown in the attachments, please review!

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 2020-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: PR

Complaint narrative:
Checking in my XXXX XXXX account, which I do often, saw a new derogatory mark for a certain Credit Mgmt that lowered my score by 8 points. I have no idea what account it refers to, since I'm very careful with my payments, as my credit history surely shows. I would like to know what account was left pending, so I can either dispute or comply, so the derogatory mark is erased form credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
From the first incident with them, they reduced my credit limit without communication at all. No mail, email, or XXXX XXXX drop off message ... Now they just closed my account without my knowledge ... That may cause an issue within my credit in midst of covid pandemic ...

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