vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-13 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: NY

Complaint narrative:
Not my accounts on Transunion

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 2020-02-13 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: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$2200.00} on the XXXX  partial account number XXXX. Equifax is also reporting this account as ( 120 ) days late. ( Please see page attached from my credit report. ) I changed banks and contacted a representative at XXXX XXXX. I provided all of the new banking information for payment to this account. The bank never updated any of my information and consequently debits were being taken out of the old account. I was not aware there were any outstanding balances due, nor was I aware that lates were being reported on this account until I obtained a copy of my most recent credit report. This false reporting of a collection/charge-off, as well as late payments, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
I purchased my home on XX/XX/XXXX and my mortgage was sold from XXXX XXXX XXXX to the company called NewRez. When I purchased my home my full payment was {$720.00} that number includes the Mortgage insurance, homeowners insurance and principal and interest. I received my first letter from NewRez on XX/XX/XXXX stating my first payment due on XX/XX/XXXX would be {$720.00}. I received a second letter from NewRez on XX/XX/XXXX stating the payment due on XX/XX/XXXX would be {$520.00}. When I called to ask why the payment changed no one knew why so I paid the full amount which I knew to be correct of {$720.00} and asked the employee to figure out where the money needed to go so my mortgage and homeowners insurance would be paid. I paid the correct full amount of {$720.00} in XXXX and XXXX and then I received an email from NewRez stating that they ran a mortgage analysis and that because I hadnt be paying enough my payment would be going up starting XX/XX/XXXX to {$760.00} when I talked to a customer service rep from NewRez on XX/XX/XXXX I asked that they redo the mortgage analysis because no one seemed to know where my payment was going I was advised it could take 30 days to redo. When I called on XX/XX/XXXX to get a status update the employee informed me that the request for the analysis redo hadnt been started and that they would start it that day so I paid what I believe to be an incorrect amount in the month on XXXX and XXXX and will probably have to again in XXXX because i cant seem to get anyone who has any idea whats going on with my account or what my payment should be every single time I call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: AR

Complaint narrative:
I was informed by my banker ( 20 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$31000.00} XXXX XXXX {$0.00} XXXX/XXXX   XXXX {$400.00} XXXX/XXXX XXXX {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: CO

Complaint narrative:
In XXXX, I was XXXX  of a XXXX XXXX XXXX in Pennsylvania. Since it is now XXXX, I believe this is considered outdated information according to the Fair Credit Reporting Act. However, this conviction is still appearing on my background check which was conducted by a company named Checkr.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$2200.00} on the XXXX  partial account number XXXX. XXXX  is also reporting this account as ( 120 ) days late. ( Please see page attached from my credit report. ) I changed banks and contacted a representative at XXXX XXXX. I provided all of the new banking information for payment to this account. The bank never updated any of my information and consequently debits were being taken out of the old account. I was not aware there were any outstanding balances due, nor was I aware that lates were being reported on this account until I obtained a copy of my most recent credit report. This false reporting of a collection/charge-off, as well as late payments, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2020-02-13 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: CO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$2200.00} on the XXXX  partial account number XXXX. XXXX  is also reporting this account as ( 120 ) days late. ( Please see page attached from my credit report. ) I changed banks and contacted a representative at XXXX XXXX. I provided all of the new banking information for payment to this account. The bank never updated any of my information and consequently debits were being taken out of the old account. I was not aware there were any outstanding balances due, nor was I aware that lates were being reported on this account until I obtained a copy of my most recent credit report. This false reporting of a collection/charge-off, as well as late payments, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2020-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
Received a notification of debt on XX/XX/2020 with no proof of debt. Sent a response letter via certified mail, which they received on XX/XX/2020, asking for proof of debt. I have not received a proof of debt, but they did send me another notice trying to collect the debt at a reduced rate. That letter was received on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2020-02-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I don't know that my problem falls under this exact category. 
My complaint is with Comenity Capital Bank - XXXX I was originally issued a credit limit of {$1000.00}. Admittedly, I got behind on payments. 
They lowered my credit limit to {$500.00}. I began making payments and got the account on stable footing. Despite consistent payments - {$480.00} between XXXX and XXXX - Comenity reran my credit - an existing customer - and lowered my credit limit In XXXX to just below my balance causing a negative hit to my credit rating as it now appears I am using more credit than I really am. 
I complained and was told they would reevaluate monthly.

This week I find they have again lowered my credit limit to just below my balance again unfairly causing a negative impact to my credit score.

They claim it is due to my credit score which from there own letter to me is nearly 100 pts higher than it was in XXXX only 3 mths ago. 

This is due to lack of activity on the account and has nothing to do with my credit or payments as I have paid them {$580.00} since XXXX on a card that now has a {$350.00} limit. 

This is simply not fair business practice. Why would you rerun credit on an existing customer who is NOT behind in payment? It just doesn't make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
For almost a year now I have been told that the digital team had to fix an issue with mirroring an old account I had that I closed due to a back and forth dispute I had with a merchant that was investigated. So much that Capital One even gave me back the fees the merchant charged me due to the returned check fees I received as a result and was not a fault of my own. Again, for almost a year I have called in numerous times as to why I can not reestablish my line of credit on my checking account which several managers and reps all told me I should be able to do and the digital team was still working on it. Until it was fixed a note was put on my account dated XX/XX/2019 to credit me until the situation was fixed. Today I call in to gave two that were given to me credited and now I get told the reason why I can not have my fees reimbursed and my previous account mirrored is because my old account was restricted. Its not true and I paid everything that was due and was left in bad standing and it was then put in charge off status for XXXX cents that they forgave which is not true at all. It is all ridiculous and I am sickened with the amount of lies that have been told to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2020-02-13 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: AR

Complaint narrative:
I was informed by my banker ( 20 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$31000.00} XXXX XXXX {$0.00} XXXX/XXXX   XXXX {$400.00} XXXX/XXXX XXXX {$240.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: AR

Complaint narrative:
I was informed by my banker ( 20 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$31000.00} XXXX XXXX {$0.00} XXXX/XXXX   XXXX {$400.00} XXXX/XXXX  XXXX {$240.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: SC

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion file . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

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 2020-02-13 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: WA

Complaint narrative:
Equifax is reporting incorrectly a balance due of {$4300.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The past due balance is much higher than the original balance. This account should not even be reporting because the date of last activity was XXXX, 2014. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. XXXX  violates the California Predatory Lending Law as well. This false reporting of not only an amount past due that is incorrect ; it is also reporting on an account that has the date of last activity of 2014. The reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: WA

Complaint narrative:
Experian and XXXX  are reporting incorrectly a collection in the amount of {$2500.00} on the XXXX   XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original creditor was XXXX  XXXX XXXX. The date of last activity on this account is over ( 7 ) years old. Reporting this line item is a violation of the Fair Credit Reporting Act and needs to be removed. In addition, this false reporting of a collection is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I knew I would be having a statement coming at some point, but had not received a statement in the mail, email correspondence, automated messages, or anything. I tried to log in online to create my account but was unable to do that since I did not know my account number, so I figured I would wait until I received my first statement to set up automatic payments. 

Unfortunately, I just got a message through XXXX XXXX monitoring that I had a late payment. That was first I had heard at all about this. So I called Synchrony Bank on XX/XX/20, got my account number from them, and paid the account IN FULL the same day, on XX/XX/20. I expressed my displeasure over this with the customer service representative and he advised me to write the FCRA. I had received no communication regarding payment address, amount, account number, billing dates, etc. 

The account number is XXXX with Synchrony Bank. 

I feel this missed payment should be removed from 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 non-monetary relief
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JTM Capital Management, LLC
State: TX

Complaint narrative:
After reviewing my credit profile and XXXX XXXX report on XX/XX/XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX XXXX was still in existence. XXXX XXXX XXXX XXXX was contacted in XXXX and they advised that the account now belonged to XXXX XXXX XXXX/ XXXX XXXX XXXX under acct # XXXX. XXXX XXXX XXXX was contacted and the debt was paid off in full however they have failed to report to XXXX  that the debt has been paid in full, nor to provide me documentation of the debt being paid off although they verbally confirmed this. Since XX/XX/XXXX I have tried several times to get into contact with them via phone call and email however I still have not received any documentation to support the debt being paid and as of XX/XX/XXXX the account has still not been updated in XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: ID Analytics, Inc.
State: CT

Complaint narrative:
XXXX  and stage stream keep reporting inaccurate item on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: WA

Complaint narrative:
XXXX  and Transunion are reporting incorrectly a collection in the amount of {$2500.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original creditor was XXXX  XXXX XXXX. The date of last activity on this account is over ( 7 ) years old. Reporting this line item is a violation of the Fair Credit Reporting Act and needs to be removed. In addition, this false reporting of a collection is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

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