vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-25 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: IN

Complaint narrative:
The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud..XXXX XXXX XXXX XXXX ( duplicate account, two trade lines ), XXXX XXXX  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 2019-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The company has failed to generate a statement for the cycles I have a {$0.00} balance on. This is not registering with the credit bureaus that this account continues to maintain a positive and good status - it last reported in XX/XX/XXXX, with a " STATEMENT CLOSE DATE '' of XX/XX/XXXX, yet there is NO statement for XX/XX/2019. The balance is reporting accurate as {$0.00}, but the lender can not confirm this is for XX/XX/XXXX and that I did not all of a sudden purchase a ton of items between the last reporting and now. This is going to interfere with my ability to obtain a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: NC

Complaint narrative:
Consumer contacted Transunion to dispute inquiries that were not mine. I was told by XXXX XXXX of XXXX XXXX name given XXXX that inquiries could not be disputed. I was told to contact the creditor and send correspondence to them. I informed them that I will not contact someone I do not know. 

He said that inquiries were factual and they could not dispute them and that I would have to contact the " lenders '' directly and he would not dispute any of the inquiries. I asked them if they could give that to me in writing. He ignored the question. 

He said the inquiries were already in dispute as of XX/XX/2019. When I informed him that I did not dispute anything with transunion on XX/XX/2019 and when would the dipsute be completed he told me 30 days. I then inquired how was the item disputed and why does it not show " disputed '' on the online account I was then viewing. He did not seem to how know it was disputed. 

I was not given a record of the dispute such as a confirmation number for the call or dispute.

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 2019-07-25 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:
Fraudulent accounts are reporting on my credit reports 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 2019-07-25 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:
Fraudulent accounts are reporting on my credit reports XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My XXXX XXXXXXXX XXXX credit card was closed and charged off as bad debt in XX/XX/2017. However, Experian continues to allow XXXX XXXX  XXXX to inaccurately report the account as an open, revolving account WHICH IS NOT THE CASE. As a result, I have a TON of 90-day late payments reporting each month on my Experian credit report despite several attempts to have both Experian and XXXX  XXXX XXXX correct it. I am kindly requesting that they PLEASE show this account as closed and remove the derogatory 90-day late payments dating back to XX/XX/2017 immediately! I have enclosed a side-by-side of Experian and XXXX  's reporting as a point-of-reference and benchmark for you ; XXXX shows that the account is indeed closed and no late payments post chargeoff. Please help me by having Experian remove the late payments and report the account status correctly because closed accounts should not be able to continuously report new, negative information on my reports. This is hurting my credit tremendously as I'm sure you can imagine. 

Per the FCRA, Experian AND XXXX XXXXXXXX XXXX are responsible for correcting inaccurate credit reporting and this has been going on for far too long. I've disputed this directly with XXXX XXXX  XXXX and Experian and they've done nothing to rectify the 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 2019-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
In XXXX we received notice from Mr. Cooper ( our Mortgage Company ) that our Escrow account showed a shortage and we had to pay it in 1 payment or increase our monthly escrow portion of our mortgage payment. Upon review of the escrow account statements on their own website, there were multiple disbursements and credits, including removal of our " ANNUAL '' property tax amount on a " QUARTERLY '' basis. When we were notified about the shortage, we have had multiple phone conversations with their representatives. One of them they actually called our County with us on the phone and the county stated they had only received the payment at closing in XXXX, and no other payments in XXXX or XXXX, or any over payments. Even after this, the mortgage company is refusing to credit back our escrow account, stating that since the county has received no overpayment, there is no error on their end, yet never addressing the money taken from our escrow account causing the shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: AL

Complaint narrative:
I have never dealt with these creditors in the past. I contacted Transunion and XXXX to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXXXXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX 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 2019-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CONTOUR MORTGAGE CORPORATION
State: NY

Complaint narrative:
To whom it may concern On XX/XX/2019, my father and I went to see a property located at XXXX XXXX   XXXX XXXX house. Our agent XXXX XXXX was not available at the time, but he told us to show his card to the seller agent. We saw the house and we had conversation with the seller agent XXXX XXXX. Ms. XXXX then reported that the seller is in the process of getting another house and the lender is XXXX XXXX from Contour bank and the seller want the buyer to use the same lender. I told Ms. XXXX that I am pre-approved from XXXX XXXX however she insisted and said that I must use XXXX XXXX because that is what the lender wants. She then texts me the lender XXXX XXXX business card and the loan options and told me to call her. 
We liked the home, and, in a way, I was forced to use this lender, so I called her. Ms. XXXX confirmed that she is doing the seller other house loan and she is going to make sure the seller has a strong buyer and therefore I was referred to her. I gave her documents she needed. On XX/XX/19 she said there is a problem with the house that I currently own at XXXX XXXX XXXX XXXX XXXX, NY XXXX. She said Your pics on the XXXX listing looks like one of the units or entire home is vacant and no one is living there. When were trying to make a case that two families are moving out of a two-family house. This in not a good Look. I told her that XXXX XXXX XXXX XXXX XXXX, NY XXXX is my current primary residence where also my parents lives. I also reminded her that I have given residency verification documents already for me and for both of my parents ( driver license and utility bill ). I also explained the picture that was posted for the listing was old pictures that was used from previous owner. She then told me that I did fraud and she will deny the loan based on the picture that was posted on XXXX. 
There are few things that are my concern. The lender is also the seller lender and looking after seller interest. I have provided documents that I live in the XXXX XXXX XXXX XXXX XXXX, NY XXXX house. MsXXXX XXXX did not offer any other options and took it personally and was to quick to conclude that I am denied the loan based on fraudulent documents, XXXX listing pictures and she called me a liar ( without having any evidence ). Her action was nowhere professional, and I was confused if she represents the bank, seller agent interest or her interest. Also is there any chance to get a fair loan from her? My agent XXXX XXXX also reported that the seller agent knows confidential information which XXXX, Ms. XXXX shared with her ( breach of confidentiality ). 
I have good credit and all documents that I provided to her was legal and with her directions. I dont want her unethical practice, unfair judgement to affect my credit records or future purchase of home. At this moment XXXX dont want the loan ( I did not sign any paperwork with her ). 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I send payment via online bill pay through my bank to New Rez ( also operates as Shellpoint Mortgage ) every month a week early. This month the money was taken out of my bank account but New Rez never cashed it. My bank shows that the payment was issued and offered to remediate with New Rez. Unfortunately despite a dozen emails and three phone calls, they are charging me a late fee and damaging my credit score. I paid early and I shouldn't be at fault that they haven't processed it. The  payment was made on XX/XX/XXXX and it's now XX/XX/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 2019-07-25 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: AL

Complaint narrative:
The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud. XXXX, XXXX 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 2019-07-25 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: AL

Complaint narrative:
The date of last activity is incorrect. How can this account be charged off when I pay them on time and in full.. Why do all three credit bureaus have different account balances..I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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:
Well everytime i call i cant get the question rite as they say and then they want me to send them a copy of my id and ssi card which i not sending my personal INFORMATION AND THEY SEND PEOPLE THUR THE RINGERABOUT WHAT WE KNOW ABOUT OURSELF THAT WHAT I DONT GET WE KNOW WHST ON OUR CREDIT

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 2019-07-25 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XX/XX/2019, I mailed a Method of Validation letter to Experian, exercising my rights as under the FCRA. That was the follow up to the initial dispute letter. In my letter I demanded to know specifics of how this bureau arrived at the conclusion that the alleged accounts were verified and therefore listed on my report as accurate. I wrote that I wanted to know WHO they spoke with at these companies who verified these accounts and what documentation was used to claim validity. As XXXX XXXX XXXX states, verified means Confirmation of correctness, truth or authenticity by affidavit, oath or deposition. There has been no evidence provided that this has been followed in any matter. The credit bureau can SAY something has been verified but that does not mean any procedure was followed in ensuring that verification took place. 
It is my understanding that the credit bureaus routinely use a Consumer Dispute Verification Form in  attesting to the accuracy of any alleged accounts. Anyone can SAY they obtained verification for one of  these forms without checking into the accuracy of the alleged account. 
In accordance with my rights, I sent a letter to Experian stating that they have not responded in a timely manner and therefore are to delete the following accounts : XXXX/XXXX XXXX XXXX XXXX ( 2 accounts ) XXXX XXXX XXXX I am sending this message to the CFPB to monitor and ensure action is taken to satisfactorily resolve this matter.

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 2019-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I am a XXXX year old woman who is nearing retirement. Now I have to extend my employment and work longer because I was a victim of a scam. Sadly as I spoke to attorney, I was so angry as I learned more. I have never made transactions beyond a couple XXXX dollars. And in less than 24 hours I transferred large sums from my Home equity to my checking account. Then I used my Debit card to make XXXX in large purchases ( XXXX and XXXX amounts ) at XXXX. Again I have never made transactions of this size. Not once did my bank think this was suspicious. if they are protecting me, they would have seen this is very much not normal activity and if they understood the market place and the fraud in the industry, they would have had a clear reason to call me and question the transaction. I would have told them I was working with you on a catching fraudsters. but you would have explained you were not and I would have been protected from a scam. but not one call. in fact I called you and no one even thought to question the massive amounts of money moving from my account. now I am here, extending my employment another year to replenish XXXX dollars as I have a bank that never even had time to call me. my attorney said this is basic fraud prevention for highly unusual activity to be flagged and my bank to call me. it gets worse. I called to report my on line banking was compromised as part of this scam. they have my user ID and pass word. I was told by the fraud team they could only help me with my debit card. so someone could transfer money through OLB or ACH money out and they cant turn off my OLB or change my user ID or even tell me how to do it. in fact the agent told me he wasn't sure they have on line banking? I guess I might be lucky that M & T built on line access for just me and didn't tell anyone. so it makes sense if they don't even know they have OLB and cant help me, how would they ever be able to notice unusual transactions that are so egregious. I am a victim of elder abuse. and a victim of a neglectful bank.

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 2019-07-25 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: IN

Complaint narrative:
I am a victim of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal 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 of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of 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 2019-07-25 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: NC

Complaint narrative:
Consumer contacted XXXX to dispute inquiries that were not mine. I was told by XXXX XXXX of XXXX ( name given ) that inquiries could not be disputed. I was told to contact the creditor and send correspondence to them. I informed them that I will not contact someone I do not know. 

He said that inquiries were factual and they could not dispute them and that I would have to contact the " lenders '' directly and he would not dispute any of the inquiries. I asked them if they could give that to me in writing. He ignored the question. 

He said the inquiries were already in dispute as of XX/XX/2019. When I informed him that I did not dispute anything with XXXX on XX/XX/2019 and when would the dipsute be completed he told me 30 days. I then inquired how was the item disputed and why does it not show " disputed '' on the online account I was then viewing. He did not seem to how know it was disputed. 

I was not given a record of the dispute such as a confirmation number for the call or dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: AL

Complaint narrative:
The month stated that I was late is not true. I paid the account on time until I was able to fully paid them. It is not closed/late. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud..XXXX 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