vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-06 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The company has my billing information incorrect. They charged me late fees and finance charges and refuses to remove the delinquent marks from my credit. The company is aware I was overseas working during these instances and refuses to assist me. Ive sent letters repeatedly and they advised me the letters are frivolous. Im asking for assistance in this matter. Or I will have no choice but to contact the Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: FACTUAL DATA CORP.
State: WA

Complaint narrative:
There is old information that is not correct anymore. I want factual data to be correct with the credit bureaus and send me an updated report there are some old tax liens that are no longer apart Of my credit reports anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2020-01-07 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS ARE REPORTING DEROGATORY TRANSACTIONS ON MY CREDIT AND I WOULD LIKE THOSE TO BE CORRECTED. I WAS UNAWARE OF THE ACCOUNTS UNTIL I WAS SHOPPING FOR A CAR. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS PURGED FROM MY CREDIT FILE.

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 2020-01-07 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS ARE REPORTING DEROGATORY TRANSACTIONS ON MY CREDIT AND I WOULD LIKE THOSE TO BE CORRECTED. I WAS UNAWARE OF THE ACCOUNTS UNTIL I WAS SHOPPING FOR A CAR. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS PURGED FROM MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I had a HSBC credit card which I never used and it was always in my posession. Someone made unauthorized charges. I reported them and have a letter from HSBC that they received the report on XX/XX/2019. They started investigating the matter for several months and opened a new credit card for me although I said I did not want any credit card from them and to close the account. On XX/XX/2019 I received a letter saying that the activity has been confirmed as unauthorized, but now I owe them {$230.00}. Upon talking to the fraud department several times they refuse to close the two accounts. Someone has made those remaining charges to the new account. I never received a new credit card, account number or authorized an opening of a new account. Everyone at HSBC says they have to investigate the matter and nothing gets done. The account is now delinquent and if I don't pay will affect my credit rating. I talked today with a person in the fraud department ( XXXX ) who said he needs three days to reflect upon the matter. I went to an HSBC retail bank today where they looked at the account and said that they have to make an investigation. HSBC should have promptly closed the account that had the unauthorized charges and refunded them to the account. They should have never opened an unauthorized second account. This has been going on for several months with no help from HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have complained several times before to try and get some assistance with this issue. I have received several letters from XXXX  stating that this public record that is reporting is accurate. This public record is not accurate and I have contacted both the courthouse and XXXX XXXX, which is who the company has told me has verified my public record. 

This is a blatant lie and a true misrepresentation of my credit report and my husbands credit report and I want this removed ASAP. I am tired of continously having to fight for my innocence in this situation.

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 2020-01-07 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: FL

Complaint narrative:
The company has my billing information incorrect. They charged me late fees and finance charges and refuses to remove the delinquent marks from my credit. The company is aware I was overseas working during these instances and refuses to assist me. Ive sent letters repeatedly and they advised me the letters are frivolous. Im asking for assistance in this matter. Or I will have no choice but to contact the Attorney Generals office.

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 2020-01-07 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: FL

Complaint narrative:
The company has my billing information incorrect. They charged me late fees and finance charges and refuses to remove the delinquent marks from my credit. The company is aware I was overseas working during these instances and refuses to assist me. Ive sent letters repeatedly and they advised me the letters are frivolous. Im asking for assistance in this matter. Or I will have no choice but to contact the Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
The company charged me finance charges, late fees and refuse to correct the delinquent remarks on my credit. The company is aware of me working overseas at the time of the instances. Ive sent letters repeatedly, the response Ive received is ; my letters are frivolous. Im seeking assistance in this matter or I will have no choice but to contact the Attorney Generals office.

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 2020-01-07 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: TN

Complaint narrative:
Complainant has attempted since XX/XX/2019 to remove fraudulent accounts from his report that was contributed to ID theft. Complainant sent block request to all CRA 's beginning on or around XXXX of 2019. XXXX, and XXXX  complied with the block request, however, Equifax indulged in a " block game '' with Complainant. 

Complainant has submitted documents showing that Equifax blocked the items in question on two occasions ( XXXX 2019, XXXX 2019 ) just to re-report the items again on Complainant  consumer report. Not only are the actions of Equifax intolerable and has caused Complainant  severe harm, but they are a blatant violation of the Fair Credit Reporting Act. 

This will be the Complainant 's last request regarding this matter. Litigation will initiate if the problem is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have called Shell Point Mortgage several times since being notified my loan was being serviced released to them .... 

1. Your Customer Service Representatives are advising ACH payments can not be cancelled. Please be advised this is illegal 2. Your Customer Service Representatives are advising there are no reference numbers or confirmation numbers provided when a payment is pre-scheduled. This is a conflict, when I received two confirmation numbers from a former customer service representative when I set up my payments. 
3. I provided the Customer Service Representative with the correct account number and told her to ensure the 0 was added to end, so that there would be no problem with the posting of my payment. The representative failed to do this and had I not called in tonight to speak with you, my mortgage payment would have rejected. 
4. The Shell Point Mortgage Website doesnt provide accurate information regarding anything. One minutes it shows the scheduled payments and the next minute I cant see any of my pre-scheduled payments. 
5. The Shell Point Mortgage Website does not allow me to pay via online, I must call in to a Customer Service Representative 6. Shell Point Mortgage is violating the RESPA regulations which allows the mortgagor 60 days to address any loan issues. In fact I received 6 Intent to Accelerate letters from Shell Point prior to XX/XX/XXXX. My loan was serviced released to you effective XX/XX/XXXX. 
7. Shell Point Mortgage is deliberately making it difficult for mortgagors to make their payments, this is insane by failing to make the necessary updates on the system per the mortgagors request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: FL

Complaint narrative:
The company charged me finance charges, late fees and refuse to correct the delinquent remarks on my credit. The company is aware of me working overseas at the time of the instances. Ive sent letters repeatedly, the response Ive received is ; my letters are frivolous. Im seeking assistance in this matter or I will have no choice but to contact the Attorney Generals office.

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 2020-01-07 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: FL

Complaint narrative:
The company charged me finance charges, late fees and refuse to correct the delinquent remarks on my credit. The company is aware of me working overseas at the time of the instances. Ive sent letters repeatedly, the response Ive received is ; my letters are frivolous. Im seeking assistance in this matter or I will have no choice but to contact the Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: FL

Complaint narrative:
The company charged me finance charges, late fees and refuse to correct the delinquent remarks on my credit. The company is aware of me working overseas at the time of the instances. Ive sent letters repeatedly, the response Ive received is ; my letters are frivolous. Im seeking assistance in this matter or I will have no choice but to contact the Attorney Generals office.

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 2020-01-07 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: FL

Complaint narrative:
I got a copy of my credit report today XX/XX/2020 because I applied for a loan and I did not get approved because there are two accounts in negative standing and many inquiries that were not made by me. I did not give anyone permission to open these accounts in my name ; I do not have any written/verbal contracts with any of those companies nor did I allow any of those companies to run my credit. I did not benefit anything from any of these items reflecting badly on my credit and I have already filed a police report in hopes of getting this resolved.

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 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. 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 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. 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 non-monetary relief
Consumer complaint received 2020-01-07 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:
I got a copy of my credit report today XX/XX/2020 because I applied for a loan and I did not get approved because there are two accounts in negative standing and many inquiries that were not made by me. I did not give anyone permission to open these accounts in my name ; I do not have any written/verbal contracts with any of those companies nor did I allow any of those companies to run my credit. I did not benefit anything from any of these items reflecting badly on my credit and I have already filed a police report in hopes of getting this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 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: FL

Complaint narrative:
I got a copy of my credit report today XX/XX/2020 because I applied for a loan and I did not get approved because there are two accounts in negative standing and many inquiries that were not made by me. I did not give anyone permission to open these accounts in my name ; I do not have any written/verbal contracts with any of those companies nor did I allow any of those companies to run my credit. I did not benefit anything from any of these items reflecting badly on my credit and I have already filed a police report in hopes of getting this resolved.

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 2020-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I got hit with 2 hard inquiry from SYNCB/ XXXX XXXX XXXX , XX/XX/XXXX, and XXXX I did not apply for anything regarding these hits, I called Synchrony claims they don't own the account & that it was an known error with XXXX  XXXX. I call XXXX  they told me to contact Synchrony again & get a letter of deletion, called Synchrony again, they could not or would not give me such letter, you can't get such letter from someone when you don't have an account with them or inquired any information from them, and then XXXX  told me to contact Synchrony, XXXX  suggested to contact consumer finance.

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 2020-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
calls received and unknown or unrelated to the person they intend on reaching, I calmly asked to not call and remove me from calling list and call persist. 
very rude and nasty even when told not to contact my wife again that they had the wrong person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation