vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-01 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have several loans that i borrowed back in XXXX  while in college, right now all of my loans have been consolidated and out of default. i contacted the dept of education and they have already worked with me to get those loans consolidated and i have applied for the income driven repayment plan that will allow me to make monthly payments after the COVID pandemic. i am working with a credit fixing agency and it is taking them longer to remove those negative items out of my report and my credit score remains the same. i am reaching out to see if you are able to fix this issue. Thanks.

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 2020-08-01 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: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
I have several loans that i borrowed back in XXXX while in college, right now all of my loans have been consolidated and out of default. i contacted the dept of education and they have already worked with me to get those loans consolidated and i have applied for the income driven repayment plan that will allow me to make monthly payments after the COVID pandemic. i am working with a credit fixing agency and it is taking them longer to remove those negative items out of my report and my credit score remains the same. i am reaching out to see if you are able to fix this issue. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Have disputed this account from XXXX XXXX with XXXX, Transunion, and XXXX with no avail. Only updated with inaccurate information every time. Which clearly is not the case. 
1. Account status is different with all 3. 
2. Date opened is inaccurate. 
3. Payment status is inaccurate. 
4. Last reported dates are inaccurate. 
5. Comments on all 3 accounts read something different. 
6. Date last active is different on all 3. 
7. Date of last payment should be the exact same across the board as either the charge off date, or the day the car was paid off. 

All of this information is inaccurate and Is a violation of my rights. Picture from credit report included. Report pulled on 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 2020-08-01 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: IN

Complaint narrative:
Have disputed this account from XXXX XXXX with XXXX, XXXX, and Experian with no avail. Only updated with inaccurate information every time. Which clearly is not the case. 
1. Account status is different with all 3. 
2. Date opened is inaccurate. 
3. Payment status is inaccurate. 
4. Last reported dates are inaccurate. 
5. Comments on all 3 accounts read something different. 
6. Date last active is different on all 3. 
7. Date of last payment should be the exact same across the board as either the charge off date, or the day the car was paid off. 

All of this information is inaccurate and Is a violation of my rights. Picture from credit report included. Report pulled on 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 2020-08-01 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$320.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This 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 2020-08-01 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:
I have filed several disputes with Experian providing information about inaccurate bankruptcy accounts. All prior disputes I have filed are determined verified. In the completed dispute letter I received from Experian, I was told to contact the company verifying the information known as XXXX which is their vendor. According to XXXX the bankruptcy accounts do not exist. I have provided supporting letters from XXXX that substantiate my dispute. I was told by an Experian representative that they obtain information from a public record source known as Pacer which is a third party vendor that holds court information. According to The Fair Credit Reporting Act, I understand that one must verify information from the original furnisher. I also provided a letter from the bankruptcy court stating they do not report to the credit bureaus such as Experian, XXXX, and XXXX. I would like a proper investigation that do not violate the FCRA. Im attaching supporting documents from all sources once again. The accounts I want investigated and removed are listed XXXX US BKPT CT XXXX XXXX XXXX US BKPT CT   TN 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 2020-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
They automatically enrolled me in a monthly subscription billing service that I did not enroll in. They have already started charging my credit card without my consent or knowledge.

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 2020-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
OnXX/XX/2020 Shellpoint Mortgage Company made another withdrawal from my escrow account in the amount of $ XXXX. for insurance premium. 
Prior to XX/XX/2020 Shellpoint Mortgage Company had refunded $ XXXX for insurance premium refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: Self Financial Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks on my report, I thought I had paid them before. I was in the hospital because of the XXXX and probably that statement didn't get a chance to came with me. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
XX/XX/2020 was reported as a late payment. I sent a certified letter via USPS to the creditor and received a response back stating the information reported was valid and no further action required. The information reported was inaccurate. The customer service rep stated that It as reported as late but they had no explaination for the late payment. I as told that this payment was report as late for something that an paid over 3-4 years ago. I asked for a payment statement and it shows I have not missed any payments in the last 2 years

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 2020-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: NJ

Complaint narrative:
There are inaccurate accounts on my report and I haven't gotten a response from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have a loan with NORDSTROMTD and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and XXXX  NORDSTROMTD and XXXX. with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: NJ

Complaint narrative:
There are inaccurate accounts 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 2020-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I'm writing in respond to case number XXXX. I did not understand why my case was closed without Synchrony card conducting any investigation other than receiving a contract signed. I never received a call or letter asking me for any documents or proofs in order for Synchrony to take a final decision against my favor. 

Synchrony never provided me any proof of service delivered other than a contract signed and a letter from XXXX. 

XXXX XXXX Merchant ) sent a letter to Synchrony letter attached saying that they delivered architectural plans, please I requested from Synchrony to provide me those formal documents since XXXX has not send any documents to me. Architectural plans needs to be certified by a licensed architect and approved by me with my signature. 

I never requested architectural plans as you can read in the contract provided by XXXX, architectural plans was never quoted. 

In order to work on the property, the City of XXXX needs to approves the architectural plans. Please Synchrony gets these documents from XXXX. 

If XXXX has bought material why the material was never deliver to me? Does XXXX provide proof of any material delivered to me and for what amount? and what kind of material? 

XXXX offered free estimate in their website XXXX why a walk through is now taking in consideration for the {$25000.00} payment? 

I never cancel a contract please provide a proof that XXXX has send you that I had stop the project? and for that reason 30 % cancellation fee was enforced? 

Too many inconsistency that Synchrony is not providing to me that they conduct an investigation and that the merchant is providing enough proof to justify taken {$25000.00}. and from Synchrony to take a decision against my favor. Only a contract signed is not a proof of service delivered. 

If Synchrony is validating the contract as a proofs of services delivered to me, therefore Synchrony bank is saying that fulling understood the terms and conditions of the contract and that it is assuring I received and I approved architectural plans, that I received material for an unspecified amount, and that I formally stop the project and for that reason I need to be enforced 30 % cancellation fee. 

I will wait for your further investigation resolution. I'm attaching the appraisal I executed to demonstrate the condition of the property and that I never received any services from XXXX. 

Thank you, 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 2020-08-01 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$320.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$320.00} -This 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 2020-08-01 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: NE

Complaint narrative:
They are reporting a closed account with XXXX XXXX that is over 7 years old. This is a violation of the Fair Credit Reporting Act.

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 2020-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am sending this complaint hoping to get a fair solution on this case. Capital One has been not following their own value that says " doing the right thing ''. 

This is the account informatino I am writitng about : Account number XXXX, opened date : XX/XX/2016, limit {$500.00}. This case is worth over {$100000.00}. 

Here is why Capital one is not doing the right thing : They are committing multiple violations to my consumer rights. I made my own research, and they are doing bad by committing the following violations and tiggering this damages : 1. Legal advice expenses.

2. Re-aging charged off account : date last active is being reported after account started being charged-off. This can create unfairness on status of limitation.

3. Not being able to obtain loan.

4. Emotional stress.

5. Unfair business practices 6. Negligence. 
7. Failing to mark account affected by natural disaster.

8. Reporting discrepancies across bureaus : Different high credit.

9. Breach of contract.

10. Reporting false and erroneous information. 

Please make sure that this company receives the attached documentation. 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
NewRez, which is an affiliate of ShellPoint Mortgage, charged my escrow account maintained with NewRez for Private Mortgage Insurance ( PMI ) for the months of XXXX and XX/XX/2020 twice. My PMI monthly payment is {$130.00}. The first time was charged on XX/XX/2020 for both months and then again on XX/XX/2020. After contacting NewRez via online messages twice in the last two months trying to resolve the issue, just today, I received an electronic secured message from ShellPoint stating ( Please be advised, Private Mortgage Insurance is paid in arrears. Your payments taken out were for missing PMI payments. We have determined that no escrow occurred, and we are not able to issue a refund. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: NE

Complaint narrative:
The credit bureaus are reporting a closed account with XXXX XXXX XXXX. This is not my account. I have disputed this account several times with the credit bureaus and the creditor. This is a violation of the Fair Credit Reporting Act.

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