vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-07 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: LEXISNEXIS
State: GA

Complaint narrative:
Lexis Nexis is reported bankruptcy to XXXX  and XXXX XXXX after saying they would remove

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: GA

Complaint narrative:
XXXX XXXX is reported bankruptcy to XXXX  and Trans union after saying they would remove

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 2019-12-07 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: GA

Complaint narrative:
XXXX XXXX is reported bankruptcy to Experian and XXXX XXXX after saying they would remove

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 2019-12-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC
State: MN

Complaint narrative:
Letter received today. Loan was started in XXXX. Bankruptcy was filed in XXXX during my divorce. Ex-husband resigned loan papers I did not. 

I believe it is a privacy issue that I now know about this when it is my ex-husbands bill. I also believe this company might be trying to exhort money out of me. 

If it ends up on my credit report I will be filing another complaint. 

House was paid off 3 years ago and Ex-husband states they want {$8000.00} but won't say for what.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive mailed out a few disputes and the company failed to properly investigate my issues. There are many accounts reporting incomplete, inaccurate, or is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
There is a negative remark om my credit from Credence Resource Manage in the amount of {$540.00}. I have repeatedly disputed the debt with the credit Bureau as well as here and because of the validity of the debt can not be verified nor do I owe Credence Resource Manage. I have requested that such erroneous information be removed from my credit. I do not owe Credence Resource Manage and I do not have a contract with the mentioned creditor and request that the negative remark be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Account is inaccurately reporting 11 missed payments on my credit report. This account has never been late. I have sent several communications to the credit bureau and creditor and I have called several times for them to delete the late payments due to the inaccuracy. But the information is still showing on my credit report. Even though they have stated they would be removed.

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 2019-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Account is inaccurately reporting 11 missed payments on my credit report. This account has never been late. I have sent several communications to the credit bureau and creditor and I have called several times for them to delete the late payments due to the inaccuracy. But the information is still showing on my credit report. Even though they have stated they would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Account is inaccurately reporting 11 missed payments on my credit report. This account has never been late. I have sent several communications to the credit bureau and creditor and I have called several times for them to delete the late payments due to the inaccuracy. But the information is still showing on my credit report. Even though they have stated they would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: TN

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF VETERANS AFFAIRS DEPT OF VETERANS AFFAIRS XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX  XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 non-monetary relief
Consumer complaint received 2019-12-07 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
On XXXX of 2018 Nissan Infiniti LT reported to the 3 credit bureaus XXXX XXXX and XXXX that my payment was late when it was their automated system that was not functioning properly and received my account number incorrectly. I have made multiple requests to resolve this matter but Nissan- Infinity LT does not have a direct number to speak to a live agent. They are systematically ruining my credit history and I am pleading for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had a Capital One Quicksilver card with a 0 % promotional interest rate which expired in XXXX this year. I carried a large balance, paying somewhat more than the minimum each month. Neither the statement dated XX/XX/XXXX nor the statement dated XX/XX/XXXX said anything about the end of the promotional period and the need to pay off all charges to avoid interest, but knowing that the promotional period was ending, I paid the entire amount by the due date for the XXXX statement, XX/XX/XXXX. I was shocked today on my online account to see an interest charge of {$150.00}, dated XX/XX/XXXX. I called customer service and the agent I spoke to agreed with me, saying he would have assumed the same as myself, that paying off the balance by the due date would avoid interest charges. I was on hold for about 10 minutes, during which he spoke to his superiors, but the response was that the promotional period ended earlier in XXXX, I was responsible to know that from the documents they sent me in XXXX of 2018 ( even though no statement since then provided that information ), and they would not waive the interest charges. I asked to speak to the person the customer service rep spoke to, which wasn't possible. So I spoke to a supervisor who simply repeated that information. I closed the account. 
However, I still have the {$150.00} charge on the account and I presume if I don't pay it there will be late payment fees, etc. 
I have had credit cards with promotional rates from other companies. In every case they have provided clear information in the statements about when balances must be paid off to avoid standard and deferred interest. Without such information, the monthly statement at the end of the promotional period is quite misleading. 
Consumers should be able to know that, in the absence of other information in the statement, if they pay off the balance by the due date there will be no interest charges or fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-07 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: PA

Complaint narrative:
Account is inaccurately reporting 11 missed payments on my credit report. This account has never been late. I have called and communicated with both the creditor and the credit bureau to delete the inaccurate information, but information still has not been removed.

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 2019-12-07 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: TN

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF VETERANS AFFAIRS DEPT OF VETERANS AFFAIRS XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 2019-12-07 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: TN

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF VETERANS AFFAIRS DEPT OF VETERANS AFFAIRS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
In XXXX of 2019 I received notice that the other borrower on my FHA mortgage with Flagstar bank had filed for bankruptcy. He had moved out of the home 7 years prior to the initiation of his bankruptcy and signed a quit claim deed to me relinquishing all interest in the home. I filed the quit claim deed with the county and continued to pay the mortgage as agreed, but contacted the mortgage company after I received notice of the other borrowers bankruptcy to verify that I would continue to receive monthly statements and how the other borrowers bankruptcy affected me. I was reassured by the bankruptcy department at Flagstar that I would continue to receive statements titled for informational purposes only and that as long as I made the payments nothing would change. In XXXX of 2019 I received a notice on my monthly mortgage statement from Flagstar that {$930.00} had been added to my loan for legal fees. The mortgage company agreed to send me an itemized statement of the fees for me to compare to the threshold of legal fees permissible for an FHA loan. I never received a breakdown of the legal fees. As of XX/XX/2019, the mortgage company now claims that I can no longer receive mailed monthly mortgage statements or a breakdown of the legal expenses due *until I sign a reaffirmation agreement ; despite the fact that I never personally filed for bankruptcy. * The mortgage company is also claiming that the reaffirmation agreement is currently in the possession of the other borrowers attorney and that the mortgage company is unable to send me a copy to sign personally.

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 2019-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX of 2018 XXXX  XXXX XXXX reported to the 3 credit bureaus Transunion XXXX  and XXXX  that my payment was late when it was their automated system that was not functioning properly and received my account number incorrectly. I have made multiple requests to resolve this matter but XXXX- XXXX  XXXX  does not have a direct number to speak to a live agent. They are systematically ruining my credit history and I am pleading for help.

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 2019-12-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX of 2018 XXXX XXXX XXXX reported to the 3 credit bureaus XXXX  Experian and Equifax that my payment was late when it was their automated system that was not functioning properly and received my account number incorrectly. I have made multiple requests to resolve this matter but XXXX- XXXX XXXX  does not have a direct number to speak to a live agent. They are systematically ruining my credit history and I am pleading for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
NEVER RECEIVED {$10.00} BONUS DESCRIBED ON ATTACHED FLYER

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC
State: LA

Complaint narrative:
On XX/XX/2019 I sent a challenge letter to XXXX  and XXXX   in regards to erroneous information being reported on my credit file. I explained to them that I do not, nor have I ever entered a contract with GC Services of XXXX, Texas. Today is XX/XX/2019 and each respective agency has not validated nor contacted me via mail regarding the result of my request. 

Please be advised that I was exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

On the contrary, on XX/XX/2019 I received notice from the collection agency, not validating the debt according to my rights under the FCRA. They instead sent be billing statements, which do not bear any signatures, written consent, evidence of verbal consent on my behalf. Also, they are attempting to collect 2 different amounts and have contradictory information reported to the bureaus as well. GC Services, XXXX, and XXXX   have all failed to properly validate this debt as being mine, but are still reporting this on my credit file which is affecting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I opened up my jc penny credit card on XX/XX/2019. Within two weeks they have reported balances to all 3 credit bureaus. Once for {$41.00}, second report 3 days later for {$330.00}. Both reported end of XX/XX/XXXXand 1st week in XX/XX/XXXX. I called company 3 times to confirm when 1st reporting would happen. I was told not until late XX/XX/XXXX. This company lied and has dropped my score 5 points. I wouldve never opened this card if i knew it would report to credit bureaus everytime i use the card! Horrible company.

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 2019-12-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2019 I disputed an account that was paid in full, I submitted evidence online that it was paid and on XX/XX/2019 they responded that the balance they are reporting is correct, how can this be correct when I paid it off and the 2 other major credit reporting agencies had updated their reports to show my balance was paid in full and closed. I have attached 2 snap shots of XXXX  and XXXX XXXX with those said accounts and the balance and when it was updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2019 I filed a complaint with CFPB against Chase mortgage lender because they outright sold my note without providing me 15 days of notice PRIOR to this transaction. 

The only way I found out the true date of sale is from the buyer who accidentally included the true date of sale in a letter to me. 

Chase got upset that I filed this complaint and tried to call me, when they are prohibited from direct calls to me as I am in a Federally protected Chapter XXXX. Chase is only allowed to notify my lawyer of ANY transaction that takes place, they also need to notify the Chapter XXXX Trustee, which they did not do. 

On XX/XX/2019, after their illegal call to me, they sent me a non certified letter explaining they received my complaint while simultaneously failing to communicate any of this matter to my law firm, or the XXXX County Court Trustee. 

Two days after their letter, ironically, the new Lender sent me a foreclosure notice, claiming I've been late on my new payment, when I have never missed a payment. All of my payments are processed through the Chapter XXXX Trustee court filing system in XXXX County. This is deceptive, and total harassment during the Holiday season. It appears that Chase waited to perform these sneaky actions. 

As a result we are hiring a firm to perform a total XXXX report on the Chase mortgage to discover whether or not they have sold bonds, separating the bond from the note, on this loan. I have every intention of filing a RESPA suit and more against them for these actions.

Company response to consumer: Closed with explanation