vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-19 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: Shellpoint Partners, LLC
State: IL

Complaint narrative:
On XX/XX/2019, I called to initiate a 3 month repayment plan that included the XXXX payment, that would be added into the XXXX, XXXX, and XXXX payment. I spoke with multiple reps and Supervisor 's over the course of a couple weeks to get clarification and adjust payment dates. Each time I spoke with a rep. I asked about negative remarks on my credit reports, and they all stated that their would be no remarks left on my credit report if the instructions of the repayment plan were completed correctly and timely. A complaint was sent to CFPB about the aforementioned issue because I was reported incorrectly for XXXX. The company responded and stated in the attached document, that they did in fact report XXXX to the credit bureaus in error, but found that they did report correctly for XXXX. Attached you will find the response from the mortgage company. My complaint is that the XXXX negative remark is a error as well. The repayment plan was cancelled and restarted, and was to include the XXXX payment, which according to the repayment plan, the XXXX payment had to be received by XX/XX/XXXX to avoid negative reporting. A payment was made on XX/XX/2019 for {$2000.00} which was the initial down payment and the requirement needed to avoid negative reporting for XXXX. This was all advised by the Supervisor I spoke with on XX/XX/2019. She stated that if I made the down payment and returned the documents, negative remarks will not be made. I clarified 3 times before ending the call. The original repayment plan was altered but still included XXXX. The Repayment Plan document states " As of XX/XX/2019 the total past due amount is {$4000.00}. This amount includes all past due payments of interest, principal, and escrow .... Your past due amount is now part of your new total monthly payment amount listed in the repayment plan terms section below. '' It states later on the document ; " The initial payment of {$2000.00} must be received in our office on or before XX/XX/2019. '' Therefore, I should have been protected from any negative reporting for XXXX and XXXX because the repayment plan terms clearly outline that all past due amounts are included and it also includes the down payment date and amount which received on XX/XX/2019. This has now happened 4 times, and twice the company has acknowledged they made a mistake, this complaint and a complaint from XX/XX/2019, which has been sent to CFPB separately, should be investigated and corrected on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC
State: AZ

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. Moreconfirmation of the aforesaid item too. My proper request mustover, 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 2019-12-19 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: SYNCHRONY FINANCIAL
State: AZ

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. Moreconfirmation of the aforesaid item too. My proper request mustover, 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 2019-12-19 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: AZ

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. Moreconfirmation of the aforesaid item too. My proper request mustover, 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 2019-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
XXXX-XXXX  It starts with that complaint, XXXX abruptly closed my credit card account without warning or cause. Their operator refused to discuss the matter after I had identified myself using their methods but instead did information phishing for XXXX accounts. I had an overpayment and they were refusing to refund and after I filed complaint over it they began daily harassing calls ( More than the " Two as claimed ) making false allegations of my 'Fraudulently contesting charges ' even though there weren't any contested charges involved. I had to continue complaining to you. 

After you made them issue the refund they began making unauthorized payments without my knowledge from the closed account. They interfered with my closing an XXXX account after XXXX refused to let me change the payment method and they abruptly paid them for 3 months. I can only guess this was some revenge action. XXXX said from the beginning the account was closed and that they would not reopen it. Isn't there a penalty for lying in their responses? 

XXXX had previously said they were dropping the matter and making no credit reporting. Now this Firstsource LLC has contacted me. They sound sketchy. But they need to be instructed on the issue of illegal activities by XXXX. XXXX has lied repeatedly, leaving ongoing phone messages from numerous people with the apparent intent of this one denying doing it personally.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
On XX/XX/2019, I made a full payment on my car loan. Although I am making the payments later than the due date, I did not go past the 30 day period that would lead to a negative remark placed on my credit report. The XX/XX/XXXX payment was due by XX/XX/XXXX according to the customer service rep I spoke to regarding this issue and the Billing statement that I receive monthly. The payment was made on the XXXX but posted XX/XX/XXXX which is shown on the billing statement from XX/XX/2019 and was considered to be late. However, my payment confirmation and transaction history from Chrysler Capital shows that the payment was made on XX/XX/2019, and I still received a negative remark on my credit report. I believe this remark is a error due to the fact the payment was made before going beyond 30 days or payment deadline. I was also told that the payment may have posted later due to the XXXX holiday, which is still not my fault as a customer. I spoke with XXXX from Chrysler capital on XX/XX/2019 and she stated that she would leave notes on the account explaining my concern and advised me to dispute the negative remark as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19 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 a VICTIM of off base/strange/invalid/obsolete as well as conceivably even false deception. This condemning of the mis-announcing/ mis-information affidavit is to declare my direction that you, as regulated, produce physically counters fer federal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception of INACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus my utilzation of this controlled Identity Victim 's 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 2019-12-19 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: IL

Complaint narrative:
On XX/XX/2019, I made a full payment on my car loan. Although I am making the payments later than the due date, I did not go past the 30 day period that would lead to a negative remark placed on my credit report. The XX/XX/XXXX payment was due by XX/XX/XXXX according to the customer service rep I spoke to regarding this issue and the Billing statement that I receive monthly. The payment was made on the XXXX but posted XX/XX/XXXX which is shown on the billing statement from XXXX XXXX, 2019 and was considered to be late. However, my payment confirmation and transaction history from XXXX XXXX shows that the payment was made on XX/XX/2019, and I still received a negative remark on my credit report. I believe this remark is a error due to the fact the payment was made before going beyond 30 days or payment deadline. I was also told that the payment may have posted later due to the XXXX holiday, which is still not my fault as a customer. I spoke with XXXX from XXXX XXXX on XX/XX/2019 and she stated that she would leave notes on the account explaining my concern and advised me to dispute the negative remark as soon as possible.

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 2019-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JP RECOVERY SERVICES, INC.
State: MD

Complaint narrative:
I filed an FTC complaint about one year ago with no change in receiving frequent recorded calls from : JP Recovery Services , Inc. at XXXX as recently as XXXX XXXX on XX/XX/19. Recorded Message states that a return call is requested regarding debt collection and should be made to : XXXX XXXX. I do not owe any $ $ and have NEVER returned this call. This has been going on for over 6 years. These numbers do not match the business I found online which has a contact number XXXX. I have never contacted the online numbers provided on their website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: LA

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 2019-12-19 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: GA

Complaint narrative:
I am uneasy about the ability about communicating a dispute involving Identity Theft, I have tried on several occasions to electronically and telephonically communicate to Experian Credit Reporting Agency that I am a victim of Identity theft and never gave permission nor received benefit of the accounts and inquiries acknowledged. The Accounts and inquiries of concern are as follows : XXXX XXXX XXXX  Acct # XXXX ( {$8.00} ) XXXX XXXX XXXX  Acct # XXXX ( {$2500.00} ) XXXX, XXXX-XX/XX/19, XXXX-XX/XX/19,   XXXX-XX/XX/19, XXXX XXXX-XX/XX/19, XXXX  XXXX-XX/XX/19,  XXXX-XX/XX/19

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 2019-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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 — 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 XXXX 2019 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 2019-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
LoanCare is my mortgage company that my mortgage was transferred on XX/XX/XXXX. My previous company tried to pay school tax and reported the check was sent back to them. Next, they sent this check to my LoanCare since they took over my mortgage. LoanCare never paid school tax on my behave. Now, I am facing collection because they keep delaying the payment. I sent a fax with copy of the tax bill and attached a copy electronically. They told me XX/XX/XXXX will be the date they decide on paying. Today I called and they said the date was moved to XX/XX/XXXX.  My township is saying they are starting collection process on me since I didn't pay school tax. I need help please.

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 2019-12-19 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: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
This report is really a mess. There are too many inaccuracies such as the remarks. I need to see the documents that to prove that this is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: GA

Complaint narrative:
I am uneasy about the ability about communicating a dispute involving Identity Theft, I have tried on several occasions to electronically and telephonically communicate to XXXX   Credit Reporting Agency that I am a victim of Identity theft and never gave permission nor received benefit of the accounts and inquiries acknowledged. The Accounts and inquiries of concern are as follows : XXXX XXXX XXXX  Acct # XXXX ( {$8.00} ) XXXX XXXX XXXX  Acct # XXXX ( {$2500.00} ) XXXX, XXXX-XX/XX/19, XXXX-XX/XX/19, XXXX-XXXX-XX/XX/19, XXXX XXXX-XX/XX/19, XXXX XXXX-XX/XX/19, XXXX-XX/XX/19

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 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
This account does not belong to me as I keep track of my accounts. There was never any mail, phone calls, or emails to notify about account. The XXXX has notified consumers of this account a high level of reports of fraud. The phone number provided is not accurate as I continue to receive busy signals. I am requesting to please remove this account as it continues to affect my score. I have also consulted with a lawyer and was asked to also take this step. All three credit bureaus have been notified as well. Thank you. 

XXXX  Link : https : XXXX Collections agency commiting this fraud : MidWest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX USA ( XXXX ) XXXX

Company response to consumer: Closed with explanation